# EDGAR Filing Document

**Accession Number:** 0002083697
**File Stem:** 0001104659-25-102093
**Filing Date:** 2025-10
**Character Count:** 4117659
**Document Hash:** d6db1557a1b0bd705b596aee66b2078b
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-25-102093.hdr.sgml**: 20251024

**ACCESSION NUMBER**: 0001104659-25-102093

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

**PUBLIC DOCUMENT COUNT**: 62

**CONFORMED PERIOD OF REPORT**: 20251022

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

**FILED AS OF DATE**: 20251024

**DATE AS OF CHANGE**: 20251024

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** VMC Asset Depositor III, LLC
- **CENTRAL INDEX KEY:** 0002083697

**ORGANIZATION NAME:**
- **EIN:** 393805465
- **STATE OF INCORPORATION:** DC
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-07921
- **FILM NUMBER:** 251415823

**BUSINESS ADDRESS:**
- **STREET 1:** 2001 M STREET NW
- **STREET 2:** SUITE 300
- **CITY:** WASHINGTON
- **STATE:** DC
- **ZIP:** 20036
- **BUSINESS PHONE:** (202) 534-1815

**MAIL ADDRESS:**
- **STREET 1:** 2001 M STREET NW
- **STREET 2:** SUITE 300
- **CITY:** WASHINGTON
- **STATE:** DC
- **ZIP:** 20036
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** VMC Asset Depositor III, LLC
- **CENTRAL INDEX KEY:** 0002083697

**ORGANIZATION NAME:**
- **EIN:** 393805465
- **STATE OF INCORPORATION:** DC
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 2001 M STREET NW
- **STREET 2:** SUITE 300
- **CITY:** WASHINGTON
- **STATE:** DC
- **ZIP:** 20036
- **BUSINESS PHONE:** (202) 534-1815

**MAIL ADDRESS:**
- **STREET 1:** 2001 M STREET NW
- **STREET 2:** SUITE 300
- **CITY:** WASHINGTON
- **STATE:** DC
- **ZIP:** 20036
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** VMC Asset Depositor III, LLC
- **CENTRAL INDEX KEY:** 0002083697

**ORGANIZATION NAME:**
- **EIN:** 393805465
- **STATE OF INCORPORATION:** DC
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-07921

**BUSINESS ADDRESS:**
- **STREET 1:** 2001 M STREET NW
- **STREET 2:** SUITE 300
- **CITY:** WASHINGTON
- **STATE:** DC
- **ZIP:** 20036
- **BUSINESS PHONE:** (202) 534-1815

**MAIL ADDRESS:**
- **STREET 1:** 2001 M STREET NW
- **STREET 2:** SUITE 300
- **CITY:** WASHINGTON
- **STATE:** DC
- **ZIP:** 20036

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM ABS-15G**

**ASSET-BACKED SECURITIZER**

**REPORT PURSUANT TO SECTION 15G OF**

**THE SECURITIES EXCHANGE ACT OF 1934**

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 earliest event reported) __________________________

Commission File Number of securitizer: __________________________

Central Index Key Number of securitizer: __________________________

  <br> Name and telephone number, including area code, of the person to <br> 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)(1) ◻

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

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

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

Central Index Key Number of depositor: 0002083697

&nbsp;&nbsp;**Verus Securitization Trust 2025-10**

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

Central Index Key Number of issuing entity (if applicable): Not applicable

Central Index Key Number of underwriter (if applicable): Not applicable

---

| |
|:---|
| Robert Konigsberg |
| (202) 534-1815 |
| Name and telephone number, including area code, of the person to |
| contact in connection with this filing |

---

**PART I:** **REPRESENTATION AND WARRANTY INFORMATION**

**Item 1.01 Initial Filing of Rule 15Ga-1 Representations and Warranties Disclosure** 

N/A

**Item 1.02 Periodic Filing of Rule 15Ga-1 Representations and Warranties Disclosure** 

N/A

**Item 1.03 Notice of Termination of Duty to File Reports under Rule 15Ga-1** 

N/A

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

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

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

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

N/A

**EXHIBIT INDEX**

---

| | |
|:---|:---|
| [99.1](tm2529005d1_ex99-1.htm) | [AMC Diligence, LLC ("AMC") Due Diligence Executive Summary](tm2529005d1_ex99-1.htm) |
| [99.2](tm2529005d1_ex99-2.htm) | [AMC Data Compare Report](tm2529005d1_ex99-2.htm) |
| [99.3](tm2529005d1_ex99-3.htm) | [AMC Exception Grades](tm2529005d1_ex99-3.htm) |
| [99.4](tm2529005d1_ex99-4.htm) | [AMC Rating Agency Grades](tm2529005d1_ex99-4.htm) |
| [99.5](tm2529005d1_ex99-5.htm) | [AMC QM-ATR Diligence Report](tm2529005d1_ex99-5.htm) |
| [99.6](tm2529005d1_ex99-6.htm) | [AMC Valuation Report](tm2529005d1_ex99-6.htm) |
| [99.7](tm2529005d1_ex99-7.htm) | [AMC Supplemental Data](tm2529005d1_ex99-7.htm) |
| [99.8](tm2529005d1_ex99-8.htm) | [AMC Tax and Title Report](tm2529005d1_ex99-8.htm) |
| [99.9](tm2529005d1_ex99-9.htm) | [AMC Multi Property Valuation Report](tm2529005d1_ex99-9.htm) |
| [99.10](tm2529005d1_ex99-10.htm) | [Canopy Financial Technology Partners, LLC ("Canopy") Narrative](tm2529005d1_ex99-10.htm) |
| [99.11](tm2529005d1_ex99-11.htm) | [Canopy Exceptions Report](tm2529005d1_ex99-11.htm) |
| [99.12](tm2529005d1_ex99-12.htm) | [Canopy Rating Agency Grades](tm2529005d1_ex99-12.htm) |
| [99.13](tm2529005d1_ex99-13.htm) | [Canopy Data Compare](tm2529005d1_ex99-13.htm) |
| [99.14](tm2529005d1_ex99-14.htm) | [Canopy ATR QM Report](tm2529005d1_ex99-14.htm) |
| [99.15](tm2529005d1_ex99-15.htm) | [Canopy Valuation Report](tm2529005d1_ex99-15.htm) |
| [99.16](tm2529005d1_ex99-16.htm) | [Clarifii LLC ("Clarifii") Executive Summary](tm2529005d1_ex99-16.htm) |
| [99.17](tm2529005d1_ex99-17.htm) | [Clarifii Rating Agency Grades Detail Report](tm2529005d1_ex99-17.htm) |
| [99.18](tm2529005d1_ex99-18.htm) | [Clarifii Rating Agency Grades Summary Report](tm2529005d1_ex99-18.htm) |
| [99.19](tm2529005d1_ex99-19.htm) | [Clarifii Data Compare Report](tm2529005d1_ex99-19.htm) |
| [99.20](tm2529005d1_ex99-20.htm) | [Clarifii ATR QM Report](tm2529005d1_ex99-20.htm) |
| [99.21](tm2529005d1_ex99-21.htm) | [Clarifii Valuation Report](tm2529005d1_ex99-21.htm) |
| [99.22](tm2529005d1_ex99-22.htm) | [Digital Risk, LLC ("Digital Risk") Executive Summary](tm2529005d1_ex99-22.htm) |
| [99.23](tm2529005d1_ex99-23.htm) | [Digital Risk Exception Report](tm2529005d1_ex99-23.htm) |
| [99.24](tm2529005d1_ex99-24.htm) | [Digital Risk Rating Agency Grades](tm2529005d1_ex99-24.htm) |
| [99.25](tm2529005d1_ex99-25.htm) | [Digital Risk Data Integrity Report](tm2529005d1_ex99-25.htm) |
| [99.26](tm2529005d1_ex99-26.htm) | [Digital Risk QM Status Report](tm2529005d1_ex99-26.htm) |
| [99.27](tm2529005d1_ex99-27.htm) | [Digital Risk Valuation Report](tm2529005d1_ex99-27.htm) |
| [99.28](tm2529005d1_ex99-28.htm) | [Clayton Services LLC ("Clayton") Due Diligence Narrative Report](tm2529005d1_ex99-28.htm) |
| [99.29](tm2529005d1_ex99-29.htm) | [Clayton Conditions Report](tm2529005d1_ex99-29.htm) |
| [99.30](tm2529005d1_ex99-30.htm) | [Clayton Loan Level Tape Compare Upload](tm2529005d1_ex99-30.htm) |
| [99.31](tm2529005d1_ex99-31.htm) | [Clayton Non ATR QM Upload](tm2529005d1_ex99-31.htm) |
| [99.32](tm2529005d1_ex99-32.htm) | [Clayton Rating Agency Grades Report](tm2529005d1_ex99-32.htm) |
| [99.33](tm2529005d1_ex99-33.htm) | [Clayton Valuations Summary](tm2529005d1_ex99-33.htm) |
| [99.34](tm2529005d1_ex99-34.htm) | [Evolve Mortgage Services, LLC ("Evolve") Executive Summary](tm2529005d1_ex99-34.htm) |
| [99.35](tm2529005d1_ex99-35.htm) | [Evolve Exception Detail](tm2529005d1_ex99-35.htm) |
| [99.36](tm2529005d1_ex99-36.htm) | [Evolve Data Compare](tm2529005d1_ex99-36.htm) |
| [99.37](tm2529005d1_ex99-37.htm) | [Evolve QM ATR Data](tm2529005d1_ex99-37.htm) |
| [99.38](tm2529005d1_ex99-38.htm) | [Evolve Rating Agency Grades](tm2529005d1_ex99-38.htm) |
| [99.39](tm2529005d1_ex99-39.htm) | [Evolve Valuation Report](tm2529005d1_ex99-39.htm) |

---

**SIGNATURE**

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.

Date: October 22, 2025

---

| | | |
|:---|:---|:---|
| VMC ASSET DEPOSITOR III, LLC | VMC ASSET DEPOSITOR III, LLC | VMC ASSET DEPOSITOR III, LLC |
| By: | /s/ Danny Rosenberg | /s/ Danny Rosenberg |
|  | Name: | Danny Rosenberg |
|  | Title: | Chief Financial Officer |

---

## Exhibit 99.1

**EXHIBIT 99.1** 

**AMC Diligence, LLC ("AMC") Due Diligence Executive Summary**

![](tm2529005d1_ex99-1img001.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 (or indirectly through Delaware statutory trusts) on a flow or mini-bulk basis by VMC Asset Pooler, LLC, or its affiliates (the "Client") through mortgage loan files reviewed on behalf of such parties or with results conveyed from another party to the Client via reliance letter. The Review, which includes reliance letter Loans the time of an initial review performed for such party, was conducted from June 2022 through August 2025 on Loans with origination dates from December 2021 through July 2025 via files imaged and provided by the Client for review. The Review includes Loans that were reviewed both (i) directly for an affiliate of the Client and (ii) for correspondents with results conveyed to an affiliate of the Client by a reliance letter.

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

The final population of the Review contained three hundred seven (307) Loans totaling an aggregate original principal balance of approximately $144.441 million (the "Loans").

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

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

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Interest Collection Type | &nbsp;&nbsp;Original Interest Rate Period |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;Appraisal As-Is Value | &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;Origination Channel |
| &nbsp;&nbsp;As-Is Value Used For LTV Calculation | &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;PITIA Reserves Months |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;Interest Rate Life Max | &nbsp;&nbsp;Prepayment Penalty Period (months) |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Interest Rate Life Min | &nbsp;&nbsp;Prepayment Terms |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;Interest Rate Periodic Cap | &nbsp;&nbsp;Product Description |
| &nbsp;&nbsp;Borrower Full Name | &nbsp;&nbsp;Interest Rate Periodic Floor | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;Lookback Period | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;Margin | &nbsp;&nbsp;Residual Income Amount |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Rounding Factor |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;Next Interest Rate Change Date | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Total PITIA |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original HLTV | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;Original Interest Rate |  |

---

1 \| P a g e

![](tm2529005d1_ex99-1img001.jpg)

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.**

Of specific note, there were one hundred fifty-eight (158) Loans where the income was verified, and a DTI was calculated within Credit and Compliance Scope. The Client's program allowed for income documentation to be provided via bank statements, CPA letters and P&Ls. Within this securitization, ten (10) Loans utilized twenty-four (24) or more months of bank statements, sixty-two (62) Loans utilized twelve (12) through twenty-three (23) months of bank statements, five (5) Loans utilized twenty-four (24) or more months of P&L income, and thirty-six (36) Loans utilized twelve (12) months of P&L income. The rest of the Loans were underwritten to tax returns, W-2s, 1099s or traditional methods of documentation with four (4) Loans only having 12 months of income verification.

There were one hundred forty-nine (149) Loans that were considered Business Purpose/Property Focused Investor Loans. One hundred twelve (112) Loans were Property Focused Loans with DSCR calculation. The remaining thirty-seven (37) Loans were considered Property Focused Loans with no DSCR calculation.

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

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

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

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

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

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

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

2 \| P a g e

![](tm2529005d1_ex99-1img001.jpg)

**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.

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.

3 \| P a g e

![](tm2529005d1_ex99-1img001.jpg)

▪ 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.

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

---

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

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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.

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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.

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

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

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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

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;

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&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;

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.

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**(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.

&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));

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&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.

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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.

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.**

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**(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.

**(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.

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

**<u>Title Review</u>**

As requested by the Client, a title review was included in AMC's scope of review. To facilitate this review, the Client provided AMC with identifying data on the population of mortgage loans. Data provided by the client, included mortgage loan and servicer identification numbers as well as subject property address, borrower names, origination date, original mortgage loan amount for the subject mortgage and title policies from origination as it relates to the subject mortgage. Using the data provided, AMC ordered a current owner's title search on these mortgage loans through a service provider. Upon receipt and review of the current owner's title search results, AMC identified whether the subject mortgage was of record, whether any deed vesting concerns of substance were present, and whether the title search report revealed any liens and/or judgments which could affect the seniority of the subject mortgage, including potentially superior post origination liens and/or judgments such as Property Tax Liens, Municipal Liens, and Association Super Liens. AMC reviewed the title policies for all liens and/or judgments that were recorded before the recordation of the subject mortgage to determine if any identifiable liens and/or judgments were listed as an exception on schedule B of the applicable title policies.

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.).

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.

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**SUMMARY OF FINDINGS AND CONCLUSIONS**

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

**OVERALL REVIEW RESULTS SUMMARY**

Of the three hundred seven (307) Loans reviewed under the applicable S&P grading criteria, all three hundred seven (307) Loans or (100.00%) received an overall "A" or "B" grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**S&P Overall Loan Grades** | &nbsp;&nbsp;**S&P Overall Loan Grades** | &nbsp;&nbsp;**S&P Overall Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;98 | &nbsp;&nbsp;31.92% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;209 | &nbsp;&nbsp;68.08% |
| &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;**307** | &nbsp;&nbsp;**100.00%** |

---

**COMPLIANCE RESULTS SUMMARY**

Of the one hundred fifty-eight (158) Loans reviewed for compliance under the applicable S&P grading criteria, all one hundred fifty-eight (158) Loans or (100.00%) received an overall "A" or "B" grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;S&P **Compliance Loan Grades** | &nbsp;&nbsp;S&P **Compliance Loan Grades** | &nbsp;&nbsp;S&P **Compliance Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;46 | &nbsp;&nbsp;29.11% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;112 | &nbsp;&nbsp;70.89% |
| &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;**158** | &nbsp;&nbsp;**100.00%** |

---

**CREDIT RESULTS SUMMARY**

All three hundred seven (307) Loans (100%) reviewed under the applicable S&P's grading criteria, received an "A" or "B" credit grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp; S&P **Credit Loan Grades** | &nbsp;&nbsp; S&P **Credit Loan Grades** | &nbsp;&nbsp; S&P **Credit Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;166 | &nbsp;&nbsp;54.07% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;141 | &nbsp;&nbsp;45.93% |
| &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;**307** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

All three hundred seven (307) Loans (100%) reviewed under the applicable S&P's grading criteria, received an "A" or "B" property grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**S&P Property Loan Grades** | &nbsp;&nbsp;**S&P Property Loan Grades** | &nbsp;&nbsp;**S&P Property Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;296 | &nbsp;&nbsp;96.42% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;11 | &nbsp;&nbsp;3.58% |
| &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;**307** | &nbsp;&nbsp;**100.00%** |

---

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**EXCEPTION CATEGORY SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception<br> Type** | &nbsp;&nbsp;**S&P Final<br> Exception<br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;47 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;GSE | &nbsp;&nbsp;44 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;RESPA | &nbsp;&nbsp;28 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;FACTA | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Non-Required Data | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Late Charge | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Flood | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Final or Initial 1003 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***236*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**236** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;133 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;27 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;16 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Hazard Insurance | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;System | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Collateral | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal Reconciliation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete HUD-1 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***241*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**241** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal Reconciliation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***11*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**11** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**488** |

---

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the three hundred seven (307) Loans reviewed, three hundred two (302) unique Loans had nine hundred thirty-eight (938) different tape discrepancies across forty (40) data fields (some Loans had more than one data delta). The largest variances were found on Cash From Borrower, Cash To Borrower and Borrower Last Name 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<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**% <br> Variance** | &nbsp;&nbsp;**# Of <br> Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;9 | &nbsp;&nbsp;301 | &nbsp;&nbsp;2.99% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;10 | &nbsp;&nbsp;278 | &nbsp;&nbsp;3.60% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;301 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Appraisal As-Is Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;9 | &nbsp;&nbsp;52 | &nbsp;&nbsp;17.31% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;31 | &nbsp;&nbsp;289 | &nbsp;&nbsp;10.73% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;As-Is Value Used For LTV Calculation | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;2 | &nbsp;&nbsp;9 | &nbsp;&nbsp;22.22% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;18 | &nbsp;&nbsp;276 | &nbsp;&nbsp;6.52% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;21 | &nbsp;&nbsp;238 | &nbsp;&nbsp;8.82% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Borrower Full Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;87 | &nbsp;&nbsp;301 | &nbsp;&nbsp;28.90% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;18 | &nbsp;&nbsp;183 | &nbsp;&nbsp;9.84% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;157 | &nbsp;&nbsp;278 | &nbsp;&nbsp;56.47% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;96 | &nbsp;&nbsp;114 | &nbsp;&nbsp;84.21% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;6 | &nbsp;&nbsp;306 | &nbsp;&nbsp;1.96% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;28 | &nbsp;&nbsp;198 | &nbsp;&nbsp;14.14% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;125 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;49 | &nbsp;&nbsp;199 | &nbsp;&nbsp;24.62% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Interest Collection Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;1 | &nbsp;&nbsp;281 | &nbsp;&nbsp;0.36% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;307 |

---

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---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;22 | &nbsp;&nbsp;81 | &nbsp;&nbsp;27.16% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Interest Rate Life Max | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Interest Rate Life Min | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Interest Rate Periodic Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Interest Rate Periodic Floor | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;72 | &nbsp;&nbsp;156 | &nbsp;&nbsp;46.15% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;293 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Lookback Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;20 | &nbsp;&nbsp;28 | &nbsp;&nbsp;71.43% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;6 | &nbsp;&nbsp;75 | &nbsp;&nbsp;8.00% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Next Interest Rate Change Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;16 | &nbsp;&nbsp;12.50% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;1 | &nbsp;&nbsp;287 | &nbsp;&nbsp;0.35% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;15 | &nbsp;&nbsp;282 | &nbsp;&nbsp;5.32% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Original HLTV | &nbsp;&nbsp;33 | &nbsp;&nbsp;36 | &nbsp;&nbsp;91.67% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;10 | &nbsp;&nbsp;305 | &nbsp;&nbsp;3.28% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Original Interest Rate Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;15 | &nbsp;&nbsp;306 | &nbsp;&nbsp;4.90% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;11 | &nbsp;&nbsp;300 | &nbsp;&nbsp;3.67% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;6 | &nbsp;&nbsp;68 | &nbsp;&nbsp;8.82% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;293 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;2 | &nbsp;&nbsp;3 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;PITIA Reserves Months | &nbsp;&nbsp;7 | &nbsp;&nbsp;8 | &nbsp;&nbsp;87.50% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | &nbsp;&nbsp;4 | &nbsp;&nbsp;163 | &nbsp;&nbsp;2.45% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Prepayment Terms | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Product Description | &nbsp;&nbsp;0 | &nbsp;&nbsp;286 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;86 | &nbsp;&nbsp;279 | &nbsp;&nbsp;30.82% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;307 | &nbsp;&nbsp;0.33% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;8 | &nbsp;&nbsp;121 | &nbsp;&nbsp;6.61% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;21 | &nbsp;&nbsp;294 | &nbsp;&nbsp;7.14% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Residual Income Amount | &nbsp;&nbsp;3 | &nbsp;&nbsp;8 | &nbsp;&nbsp;37.50% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Rounding Factor | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;306 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;21 | &nbsp;&nbsp;307 | &nbsp;&nbsp;6.84% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;5 | &nbsp;&nbsp;20.00% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Total PITIA | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;24 | &nbsp;&nbsp;305 | &nbsp;&nbsp;7.87% | &nbsp;&nbsp;307 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**938** | &nbsp;&nbsp;**8732** | &nbsp;&nbsp;**10.74%** | &nbsp;&nbsp;**307** |

---

16 \| P a g e

![](tm2529005d1_ex99-1img001.jpg)

**SitusAMC TITLE REVIEW SUMMARY (19 Mortgage Loan)**

As part of the due diligence services, the Client provided SitusAMC with identifying data on nineteen (19) Loans. Based on the scope of review set forth herein, the critical findings are summarized as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· There
 are no potential issues concerning origination deed vesting.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· No
 unresolved Super Position HOA Liens recorded after the subject mortgage which were entitled
 to limited or full lien priority over the subject mortgage were identified.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· No
 unresolved Municipal Liens which had limited or full lien priority over the subject mortgage
 were located.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· No
 unresolved Property Tax Liens which had limited or full lien priority over the subject mortgage
 were located.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Except
 with respect to 1 Prior Lien across 1 mortgage loan file which were recorded prior to the
 subject mortgage, all Prior Liens identified in our review have been resolved. With respect
 to the 1 Prior Lien across 1 mortgage loan file, the Prior Lien was determined to be mitigated
 as the mortgage loan files contain a Title Policy on which there are no stated exceptions
 which explicitly preclude coverage.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Except
 with respect to 3 Prior Mortgages across 3 mortgage loan files which were recorded prior
 to the subject mortgage, all Prior Mortgages identified in our review have been resolved.
 With respect to the 3 Prior Mortgages across 3 mortgage loan files, all 3 Prior Mortgages
 were determined to be mitigated as the mortgage loan files contain a Title Policy on which
 there are no stated exceptions which explicitly preclude coverage.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· As
 to any Miscellaneous Items of substance, the items in this category typically defy standard
 categorization or summarization and are individually detailed.

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;275 | &nbsp;&nbsp;89.58% | &nbsp;&nbsp;$126212888.00 | &nbsp;&nbsp;87.38% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;32 | &nbsp;&nbsp;10.42% | &nbsp;&nbsp;$18228245.00 | &nbsp;&nbsp;12.62% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**307** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$144441133.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;303 | &nbsp;&nbsp;98.70% | &nbsp;&nbsp;$144054633.00 | &nbsp;&nbsp;99.73% |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.30% | &nbsp;&nbsp;$386500.00 | &nbsp;&nbsp;0.27% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**307** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$144441133.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.65% | &nbsp;&nbsp;$542500.00 | &nbsp;&nbsp;0.38% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;107 | &nbsp;&nbsp;34.85% | &nbsp;&nbsp;$51275775.00 | &nbsp;&nbsp;35.50% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;51 | &nbsp;&nbsp;16.61% | &nbsp;&nbsp;$26310306.00 | &nbsp;&nbsp;18.22% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;130 | &nbsp;&nbsp;42.35% | &nbsp;&nbsp;$59034052.00 | &nbsp;&nbsp;40.87% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;17 | &nbsp;&nbsp;5.54% | &nbsp;&nbsp;$7278500.00 | &nbsp;&nbsp;5.04% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**307** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$144441133.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;298 | &nbsp;&nbsp;97.07% | &nbsp;&nbsp;$138937133.00 | &nbsp;&nbsp;96.19% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;9 | &nbsp;&nbsp;2.93% | &nbsp;&nbsp;$5504000.00 | &nbsp;&nbsp;3.81% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**307** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$144441133.00** | &nbsp;&nbsp;**100.00%** |

---

17 \| P a g e

![](tm2529005d1_ex99-1img001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;153 | &nbsp;&nbsp;49.84% | &nbsp;&nbsp;$77036359.00 | &nbsp;&nbsp;53.33% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;23 | &nbsp;&nbsp;7.49% | &nbsp;&nbsp;$8656536.00 | &nbsp;&nbsp;5.99% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;12 | &nbsp;&nbsp;3.91% | &nbsp;&nbsp;$5818313.00 | &nbsp;&nbsp;4.03% |
| &nbsp;&nbsp;Condotel | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.33% | &nbsp;&nbsp;$900000.00 | &nbsp;&nbsp;0.62% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;63 | &nbsp;&nbsp;20.52% | &nbsp;&nbsp;$28068041.00 | &nbsp;&nbsp;19.43% |
| &nbsp;&nbsp;Townhouse | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.65% | &nbsp;&nbsp;$796000.00 | &nbsp;&nbsp;0.55% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;10 | &nbsp;&nbsp;3.26% | &nbsp;&nbsp;$2830875.00 | &nbsp;&nbsp;1.96% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;22 | &nbsp;&nbsp;7.17% | &nbsp;&nbsp;$9442484.00 | &nbsp;&nbsp;6.54% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;7 | &nbsp;&nbsp;2.28% | &nbsp;&nbsp;$2790500.00 | &nbsp;&nbsp;1.93% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.95% | &nbsp;&nbsp;$5263625.00 | &nbsp;&nbsp;3.64% |
| &nbsp;&nbsp;5-10 Unit Multi-Family | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.95% | &nbsp;&nbsp;$2307250.00 | &nbsp;&nbsp;1.60% |
| &nbsp;&nbsp;Other | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.65% | &nbsp;&nbsp;$531150.00 | &nbsp;&nbsp;0.37% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**307** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$144441133.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;111 | &nbsp;&nbsp;36.16% | &nbsp;&nbsp;$66046270.00 | &nbsp;&nbsp;45.73% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;184 | &nbsp;&nbsp;59.93% | &nbsp;&nbsp;$73180263.00 | &nbsp;&nbsp;50.66% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;12 | &nbsp;&nbsp;3.91% | &nbsp;&nbsp;$5214600.00 | &nbsp;&nbsp;3.61% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**307** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$144441133.00** | &nbsp;&nbsp;**100.00%** |

---

18 \| P a g e

## Exhibit 99.2

**EXHIBIT 99.2** 

**AMC DATA COMPARE REPORT**

![](tm2529005d1_ex99-2img001.jpg)

**Data Compare**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| xxxxxx | 767968 | xxxxxx | Cash From Borrower | 0.00 | 337450.11 | Verified | Field value reflects source document |
| xxxxxx | 767968 | xxxxxx | Investor: Qualifying Total Debt Ratio | 25 | 21.87049 | Verified | The 1008 DTI is 16.017%. The Lender did not include the departing residence mortgage payment in the DTI calculations. |
| xxxxxx | 770862 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 770862 | xxxxxx | Cash To Borrower | 272075.99 | 271580.99 | Verified | Field value reflects source document |
| xxxxxx | 770863 | xxxxxx | Cash To Borrower | 213350.89 | 271580.99 | Verified | Field value reflects source document |
| xxxxxx | 770863 | xxxxxx | Investor: Qualifying Total Debt Ratio | 34.89 | 37.02598 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 770866 | xxxxxx | Property Type |  | Condo (Low Rise) | Verified | Field Value reflects the Approval/AUS in file. |
| xxxxxx | 770866 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| xxxxxx | 770866 | xxxxxx | Cash From Borrower | 0.00 | 185877.80 | Verified | Field value reflects source document |
| xxxxxx | 770866 | xxxxxx | Investor: Qualifying Total Debt Ratio | 48.09 | 43.88042 | Verified | matches 1008 DTI |
| xxxxxx | 770867 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 770867 | xxxxxx | Interest Rate Life Floor | 4 | 2.75 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| xxxxxx | 770874 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 770874 | xxxxxx | Cash From Borrower | 0.00 | 266321.51 | Verified | Field value reflects source document |
| xxxxxx | 770887 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| xxxxxx | 770887 | xxxxxx | Original CLTV | 73.56 | 75 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 770887 | xxxxxx | Original LTV | 73.56 | 75 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 770887 | xxxxxx | Interest Rate Life Floor | 4 | 2.5 | Verified | Field Value reflects 'Interest Rate Life Floor' per the ARM rider |
| xxxxxx | 770888 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 770888 | xxxxxx | Investor: Qualifying Total Debt Ratio | 30.3 | 36.38262 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 770905 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 770905 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 770905 | xxxxxx | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the ARM rider |
| xxxxxx | 770905 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the ARM rider |
| xxxxxx | 770905 | xxxxxx | # of Units | 5 | 6 | Verified | Field value reflects source document |
| xxxxxx | 770905 | xxxxxx | Cash From Borrower | 0.00 | 168868.03 | Verified | Field value reflects source document |
| xxxxxx | 771007 | xxxxxx | Cash From Borrower | 0.00 | 364856.00 | Verified | Field value reflects source document |
| xxxxxx | 771007 | xxxxxx | Investor: Qualifying Total Debt Ratio | 45 | 48.88121 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 771009 | xxxxxx | Cash To Borrower | 263491.00 | 233652.92 | Verified | Field value reflects source document |
| xxxxxx | 771009 | xxxxxx | Interest Rate Life Floor | 4 | 2.5 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| xxxxxx | 771424 | xxxxxx | Cash From Borrower | 0.00 | 92715.32 | Verified | Field value reflects source document |
| xxxxxx | 771635 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 771635 | xxxxxx | Cash From Borrower | 0.00 | 270405.38 | Verified | Field value reflects source document |
| xxxxxx | 771635 | xxxxxx | Investor: Qualifying Total Debt Ratio | 39.37 | 37.32899 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 771658 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 771658 | xxxxxx | Margin | 2 | 4 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 771658 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 771658 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 771658 | xxxxxx | Cash From Borrower | 0.00 | 219856.98 | Verified | Field value reflects source document |
| xxxxxx | 771697 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 771697 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 771697 | xxxxxx | Cash To Borrower | 50000.00 | 134830.56 | Verified | Field value reflects source document |
| xxxxxx | 771755 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 771755 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 771755 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 771755 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 771755 | xxxxxx | Cash From Borrower | 0.00 | 124690.87 | Verified | Field value reflects source document |
| xxxxxx | 771983 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 771983 | xxxxxx | Cash From Borrower | 0.00 | 157426.99 | Verified | Field value reflects source document |
| xxxxxx | 772200 | xxxxxx | Cash From Borrower | 0.00 | 120220.00 | Verified | Field value reflects source document |
| xxxxxx | 772244 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 772244 | xxxxxx | Property Type | Condotel | Condo (Mid Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 772244 | xxxxxx | Cash To Borrower | 618511.87 | 596214.34 | Verified | Field value reflects source document |
| xxxxxx | 772244 | xxxxxx | Investor: Qualifying Total Debt Ratio | 23.943 | 19.64521 | Verified | Higher income calculated at audit |
| xxxxxx | 772261 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 772261 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 772261 | xxxxxx | Cash From Borrower | 0.00 | 343108.31 | Verified | Field value reflects source document |
| xxxxxx | 772264 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 772264 | xxxxxx | Cash From Borrower | 0.00 | 321922.52 | Verified | Field value reflects source document |
| xxxxxx | 772265 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 772265 | xxxxxx | Cash From Borrower | 0.00 | 437769.03 | Verified | Field value reflects source document |
| xxxxxx | 772271 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 772271 | xxxxxx | Cash From Borrower | 0.00 | 98131.25 | Verified | Field value reflects source document |
| xxxxxx | 772276 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 772276 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 772276 | xxxxxx | Original Interest Rate | 6.375 | 7.375 | Verified | Field Value reflects the Note value |
| xxxxxx | 772276 | xxxxxx | Original CLTV | 72.55 | 74.51 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 772276 | xxxxxx | Original LTV | 72.55 | 74.51 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 772276 | xxxxxx | Cash From Borrower | 0.00 | 220263.60 | Verified | Field value reflects source document |
| xxxxxx | 772289 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 772289 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 772289 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | Verified | Field Value reflects Maturity Date per the Note |
| xxxxxx | 772304 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 772304 | xxxxxx | Cash From Borrower | 0.00 | 107269.34 | Verified | Field value reflects source document |
| xxxxxx | 772314 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 772314 | xxxxxx | Cash From Borrower | 0.00 | 106853.57 | Verified | Field value reflects source document |
| xxxxxx | 772314 | xxxxxx | Investor: Qualifying Total Debt Ratio | 43 | 47.75049 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 772315 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 772315 | xxxxxx | Cash From Borrower | 0.00 | 198926.99 | Verified | Field value reflects source document |
| xxxxxx | 772315 | xxxxxx | Investor: Qualifying Total Debt Ratio | 43 | 36.55168 | Verified | Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit |
| xxxxxx | 772323 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 772323 | xxxxxx | Cash From Borrower | 0.00 | 1333.68 | Verified | Field value reflects source document |
| xxxxxx | 772325 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 772325 | xxxxxx | Cash From Borrower | 0.00 | 89243.42 | Verified | Field value reflects source document |
| xxxxxx | 772327 | xxxxxx | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 772327 | xxxxxx | Cash To Borrower | 423190.00 | 442884.36 | Verified | Field value reflects source document |
| xxxxxx | 772327 | xxxxxx | Investor: Qualifying Total Debt Ratio | 44.27 | 35.68243 | Verified | In line with 1008 DTI of 36.703%. |
| xxxxxx | 772333 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value reflects the Approval/AUS in file. |
| xxxxxx | 772333 | xxxxxx | Prepayment Penalty Period (months) | 36 | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| xxxxxx | 772333 | xxxxxx | Cash From Borrower | 0.00 | 160642.93 | Verified | Field value reflects source document |
| xxxxxx | 772941 | xxxxxx | Representative FICO | 682 | 714 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 772941 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 772941 | xxxxxx | Cash From Borrower | 0.00 | 81451.69 | Verified | Field value reflects source document |
| xxxxxx | 772941 | xxxxxx | Investor: Qualifying Total Debt Ratio | 43 | 26.76282 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 773534 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 773534 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 773534 | xxxxxx | Cash From Borrower | 0.00 | 120319.01 | Verified | Field value reflects source document |
| xxxxxx | 773648 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 773648 | xxxxxx | Cash From Borrower | 0.00 | 95248.72 | Verified | Field value reflects source document |
| xxxxxx | 773648 | xxxxxx | Investor: Qualifying Total Debt Ratio | 2.918 | 21.69966 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 773650 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 773650 | xxxxxx | Cash To Borrower | 1.00 | 100474.70 | Verified | Field value reflects source document |
| xxxxxx | 773661 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 773661 | xxxxxx | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 773661 | xxxxxx | Cash To Borrower | 485919.72 | 438688.01 | Verified | Field value reflects source document |
| xxxxxx | 773662 | xxxxxx | Cash To Borrower | 108627.00 | 81059.70 | Verified | Field value reflects source document |
| xxxxxx | 773662 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 773664 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 773664 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 773664 | xxxxxx | Original Interest Rate | 7.75 | 8.25 | Verified | Field Value reflects the Note value |
| xxxxxx | 773664 | xxxxxx | Occupancy | Second Home | Investment | Verified | Field Value reflects Occupancy per the Final Loan Application |
| xxxxxx | 773664 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 773664 | xxxxxx | Cash From Borrower | 0.00 | 59298.72 | Verified | Field value reflects source document |
| xxxxxx | 773667 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 773667 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 773667 | xxxxxx | Margin | 2 | 4 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 773667 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 773667 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 773667 | xxxxxx | Cash From Borrower | 0.00 | 127799.23 | Verified | Field value reflects source document |
| xxxxxx | 773677 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 773677 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 773677 | xxxxxx | Margin | 2 | 4 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 773677 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 773677 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 773677 | xxxxxx | Cash From Borrower | 0.00 | 181174.91 | Verified | Field value reflects source document |
| xxxxxx | 773679 | xxxxxx | Amortization Term | 360 | 480 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 773679 | xxxxxx | Cash From Borrower | 0.00 | 189222.73 | Verified | Field value reflects source document |
| xxxxxx | 773679 | xxxxxx | Investor: Qualifying Total Debt Ratio | 43.11 | 38.92795 | Verified | Matches 1008 DTI |
| xxxxxx | 773680 | xxxxxx | Cash To Borrower | 349339.43 | 344625.07 | Verified | Field value reflects source document |
| xxxxxx | 773680 | xxxxxx | Investor: Qualifying Total Debt Ratio | 16.324 | 21.7539 | Verified | Matches 1008 DTI |
| xxxxxx | 774247 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 774247 | xxxxxx | Cash From Borrower | 0.00 | 198392.15 | Verified | Field value reflects source document |
| xxxxxx | 774247 | xxxxxx | Investor: Qualifying Total Debt Ratio | 35.44 | 45.22136 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 774250 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 774250 | xxxxxx | Cash To Borrower | 178500.00 | 164388.06 | Verified | Field value reflects source document |
| xxxxxx | 774277 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 774277 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 774277 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 774277 | xxxxxx | Cash From Borrower | 0.00 | 201150.76 | Verified | Field value reflects source document |
| xxxxxx | 774277 | xxxxxx | Investor: Qualifying Total Debt Ratio | 34.764 | 44.15635 | Verified | Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit |
| xxxxxx | 774281 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 774281 | xxxxxx | Cash To Borrower | 0.00 | 372811.84 | Verified | Field value reflects source document |
| xxxxxx | 774285 | xxxxxx | Cash From Borrower | 0.00 | 39451.00 | Verified | Field value reflects source document |
| xxxxxx | 774303 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 774303 | xxxxxx | Cash To Borrower | 33363.10 | 19780.88 | Verified | Field value reflects source document |
| xxxxxx | 774303 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 774307 | xxxxxx | Original P&I |  | 3002.16 | Verified | Field Value reflects Note value |
| xxxxxx | 774307 | xxxxxx | Representative FICO | 794 | 797 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 774307 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 774307 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 774307 | xxxxxx | Appraisal Effective Date |  | 2022-07-05 | Verified | Tape Value reflects Appraisal Date |
| xxxxxx | 774307 | xxxxxx | Cash From Borrower | 0.00 | 373886.86 | Verified | Field value reflects source document |
| xxxxxx | 774307 | xxxxxx | Investor: Qualifying Total Debt Ratio | 33.678 | 36.10298 | Verified | Field Value DTI is in line with 1008 DTI. |
| xxxxxx | 774308 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 774308 | xxxxxx | Cash From Borrower | 0.00 | 133939.76 | Verified | Field value reflects source document |
| xxxxxx | 774308 | xxxxxx | Investor: Qualifying Total Debt Ratio | 9.136 | 6.63066 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 774462 | xxxxxx | Cash To Borrower | 0.00 | 123074.37 | Verified | Field value reflects source document |
| xxxxxx | 774650 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value reflects the Approval/AUS in file. |
| xxxxxx | 774650 | xxxxxx | Margin | 2 | 4 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 774650 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 774650 | xxxxxx | Cash From Borrower | 0.00 | 552935.91 | Verified | Field value reflects source document |
| xxxxxx | 774650 | xxxxxx | Investor: Qualifying Total Debt Ratio | 35 | 32.24955 | Verified | In line with 1008 DTI of 32.385%. |
| xxxxxx | 774898 | xxxxxx | Cash To Borrower | 588622.46 | 280310.61 | Verified | Field value reflects source document |
| xxxxxx | 775085 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 775085 | xxxxxx | Original Interest Rate | 7.375 | 7.25 | Verified | Field Value reflects the Note value |
| xxxxxx | 775085 | xxxxxx | Original CLTV | 65 | 60.87 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 775085 | xxxxxx | Original LTV | 65 | 60.87 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 775085 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 775085 | xxxxxx | Cash From Borrower | 0.00 | 389055.50 | Verified | Field value reflects source document |
| xxxxxx | 775155 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 775155 | xxxxxx | First Payment Date |  | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 775155 | xxxxxx | Original Interest Rate | 7.75 | 8.25 | Verified | Field Value reflects the Note value |
| xxxxxx | 775155 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 775155 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| xxxxxx | 775155 | xxxxxx | Cash From Borrower | 0.00 | 108403.49 | Verified | Field value reflects source document |
| xxxxxx | 775166 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 775166 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 775166 | xxxxxx | Cash From Borrower | 0.00 | 119284.71 | Verified | Field value reflects source document |
| xxxxxx | 775269 | xxxxxx | Investor: Qualifying Total Debt Ratio | 37.367 | 27.04114 | Verified | In line with 1008 DTI of 27.944%. |
| xxxxxx | 775461 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 775461 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 775461 | xxxxxx | Cash To Borrower | 250001.00 | 214537.37 | Verified | Field value reflects source document |
| xxxxxx | 775461 | xxxxxx | Investor: Qualifying Total Debt Ratio | 42.723 | 23.7911 | Verified | Field Value DTI is higher than Tape value but within 3% and < 45% DTI |
| xxxxxx | 775579 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 775579 | xxxxxx | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 775579 | xxxxxx | Cash From Borrower | 0.00 | 63248.11 | Verified | Field value reflects source document |
| xxxxxx | 775587 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 775587 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 775587 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 775587 | xxxxxx | Original CLTV | 75 | 70 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 775587 | xxxxxx | Original LTV | 75 | 70 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 775587 | xxxxxx | Cash From Borrower | 0.00 | 231941.54 | Verified | Field value reflects source document |
| xxxxxx | 775590 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 775590 | xxxxxx | Cash From Borrower | 0.00 | 246029.92 | Verified | Field value reflects source document |
| xxxxxx | 775590 | xxxxxx | Investor: Qualifying Total Debt Ratio | 34.667 | 45.53253 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 775643 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 775643 | xxxxxx | Cash To Borrower | 50000.00 | 9901.58 | Verified | Field value reflects source document |
| xxxxxx | 775740 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 775740 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 775740 | xxxxxx | Cash From Borrower | 0.00 | 229784.64 | Verified | Field value reflects source document |
| xxxxxx | 775838 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 775838 | xxxxxx | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 775838 | xxxxxx | Cash To Borrower | 113455.00 | 90811.78 | Verified | Field value reflects source document |
| xxxxxx | 775843 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 775843 | xxxxxx | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 775843 | xxxxxx | Cash To Borrower | 113455.00 | 92285.10 | Verified | Field value reflects source document |
| xxxxxx | 775881 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 775881 | xxxxxx | Cash To Borrower | 209000.00 | 93756.36 | Verified | Field value reflects source document |
| xxxxxx | 775923 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 775923 | xxxxxx | Cash From Borrower | 0.00 | 52227.91 | Verified | Field value reflects source document |
| xxxxxx | 775923 | xxxxxx | Investor: Qualifying Total Debt Ratio | 38.685 | 28.51523 | Verified | Higher income calculated at audit |
| xxxxxx | 775926 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 775926 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| xxxxxx | 775926 | xxxxxx | Original CLTV | 72.95 | 75 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 775926 | xxxxxx | Original LTV | 72.95 | 75 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 775926 | xxxxxx | Interest Rate Life Floor | 5 | 2.375 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| xxxxxx | 775926 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 775926 | xxxxxx | Cash From Borrower | 0.00 | 155624.67 | Verified | Field value reflects source document |
| xxxxxx | 776003 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 776003 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 776003 | xxxxxx | Cash From Borrower | 0.00 | 93751.31 | Verified | Field value reflects source document |
| xxxxxx | 776159 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 776159 | xxxxxx | Cash To Borrower | 0.00 | 495159.56 | Verified | Field value reflects source document |
| xxxxxx | 776159 | xxxxxx | Appraisal Effective Date |  | 2022-06-27 | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 776227 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 776227 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 776227 | xxxxxx | Borrower SSN | xxxxxx | xxxxxx | Verified | Field Value verified by application or other documentation in file |
| xxxxxx | 776227 | xxxxxx | Representative FICO | 806 | 805 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 776227 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 776227 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 776227 | xxxxxx | Cash From Borrower | 0.00 | 555115.41 | Verified | Field value reflects source document |
| xxxxxx | 776227 | xxxxxx | Investor: Qualifying Total Debt Ratio | 45 | 37.62234 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 776356 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 776356 | xxxxxx | Borrower SSN | xxxxxx | xxxxxx | Verified | Field Value verified by application or other documentation in file |
| xxxxxx | 776356 | xxxxxx | First Payment Date |  | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 776356 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 776356 | xxxxxx | Cash From Borrower | 0.00 | 251131.32 | Verified | Field value reflects source document |
| xxxxxx | 776410 | xxxxxx | Cash From Borrower | 0.00 | 90123.49 | Verified | Field value reflects source document |
| xxxxxx | 776410 | xxxxxx | Investor: Qualifying Total Debt Ratio | 45.79 | 41.84486 | Verified | higher income calculated at audit |
| xxxxxx | 776412 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 776412 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 776412 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 776412 | xxxxxx | Cash From Borrower | 0.00 | 108987.54 | Verified | Field value reflects source document |
| xxxxxx | 776412 | xxxxxx | Investor: Qualifying Total Debt Ratio | 44.969 | 32.27573 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 776581 | xxxxxx | Cash From Borrower | 0.00 | 402731.20 | Verified | Field value reflects source document |
| xxxxxx | 776595 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 776595 | xxxxxx | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 776595 | xxxxxx | Cash To Borrower | 113000.00 | 107490.43 | Verified | Field value reflects source document |
| xxxxxx | 776595 | xxxxxx | Investor: Qualifying Total Debt Ratio | 51.403 | 46.21743 | Verified | Higher income calculated at audit. |
| xxxxxx | 776616 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 776616 | xxxxxx | Cash To Borrower | 218400.00 | 201201.34 | Verified | Field value reflects source document |
| xxxxxx | 776762 | xxxxxx | Investor: Qualifying Total Debt Ratio | 43 | 48.24307 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 776817 | xxxxxx | Cash From Borrower | 0.00 | 200521.17 | Verified | Field value reflects source document |
| xxxxxx | 776853 | xxxxxx | Cash To Borrower | 192147.88 | 194559.28 | Verified | Field value reflects source document |
| xxxxxx | 776853 | xxxxxx | Investor: Qualifying Total Debt Ratio | 39.927 | 34.82269 | Verified | DTI is matching with 1008 doc |
| xxxxxx | 776854 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 776854 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 776854 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 776854 | xxxxxx | Borrower SSN | xxxxxx | xxxxxx | Verified | Field Value verified by application or other documentation in file |
| xxxxxx | 776854 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 776854 | xxxxxx | Cash To Borrower | 771501.80 | 816051.58 | Verified | Field value reflects source document |
| xxxxxx | 776857 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 776857 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 776857 | xxxxxx | Original Interest Rate | 7.375 | 7.75 | Verified | Field Value reflects the Note value |
| xxxxxx | 776857 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 776857 | xxxxxx | Cash From Borrower | 0.00 | 118941.10 | Verified | Field value reflects source document |
| xxxxxx | 776857 | xxxxxx | Investor: Qualifying Total Debt Ratio | 45.993 | 23.71006 | Verified | Higher income calculated at audit. |
| xxxxxx | 776892 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 776892 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 776892 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 776892 | xxxxxx | Cash From Borrower | 0.00 | 97235.24 | Verified | Field value reflects source document |
| xxxxxx | 776892 | xxxxxx | Investor: Qualifying Total Debt Ratio | 37.319 | 20.9332 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 776969 | xxxxxx | Representative FICO | 805 | 719 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 776969 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 776969 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 776969 | xxxxxx | Cash From Borrower | 0.00 | 353723.81 | Verified | Field value reflects source document |
| xxxxxx | 776969 | xxxxxx | Investor: Qualifying Total Debt Ratio | 30.3 | 52.64986 | Verified | Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit |
| xxxxxx | 777077 | xxxxxx | Representative FICO | 723 | 725 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 777077 | xxxxxx | Cash To Borrower | 92468.68 | 160446.48 | Verified | Field value reflects source document |
| xxxxxx | 777077 | xxxxxx | Investor: Qualifying Total Debt Ratio | 41.58 | 39.03237 | Verified | Audit income |
| xxxxxx | 777078 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 777078 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 777078 | xxxxxx | Cash To Borrower | 1000.00 | 250095.41 | Verified | Field value reflects source document |
| xxxxxx | 777078 | xxxxxx | Investor: Qualifying Total Debt Ratio | 3.691 | 18.27538 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 777156 | xxxxxx | Property Type |  | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 777156 | xxxxxx | Cash From Borrower | 0.00 | 173142.26 | Verified | Field value reflects source document |
| xxxxxx | 777220 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 777220 | xxxxxx | Cash From Borrower | 0.00 | 72002.59 | Verified | Field value reflects source document |
| xxxxxx | 777248 | xxxxxx | Cash From Borrower | 0.00 | 101087.73 | Verified | Field value reflects source document |
| xxxxxx | 777248 | xxxxxx | Investor: Qualifying Total Debt Ratio | 11 | 33.91252 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 777312 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 777312 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 777312 | xxxxxx | Property Type |  | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 777312 | xxxxxx | Cash From Borrower | 0.00 | 97183.67 | Verified | Field value reflects source document |
| xxxxxx | 777361 | xxxxxx | Cash To Borrower | 1000.00 | 775457.18 | Verified | Field value reflects source document |
| xxxxxx | 777429 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 777429 | xxxxxx | Representative FICO | 775 | 776 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 777429 | xxxxxx | Cash From Borrower | 0.00 | 272353.33 | Verified | Field value reflects source document |
| xxxxxx | 777429 | xxxxxx | Investor: Qualifying Total Debt Ratio | 45.21 | 41.83736 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 777437 | xxxxxx | Cash To Borrower | 17013.22 | 651564.20 | Verified | Field value reflects source document |
| xxxxxx | 777437 | xxxxxx | Investor: Qualifying Total Debt Ratio | 28.423 | 21.66736 | Verified | Field Value DTI is lower than Tape value due to Lender used lower qualifying income than verified by audit |
| xxxxxx | 777472 | xxxxxx | Cash From Borrower | 0.00 | 129518.24 | Verified | Field value reflects source document |
| xxxxxx | 777698 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 777698 | xxxxxx | First Payment Date |  | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 777698 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 777698 | xxxxxx | Cash To Borrower | 34417.31 | 33223.21 | Verified | Field value reflects source document |
| xxxxxx | 777698 | xxxxxx | Prepayment Penalty Period (months) | 60 | 84 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| xxxxxx | 777704 | xxxxxx | Borrower SSN | xxxxxx | xxxxxx | Verified | Field Value verified by application or other documentation in file |
| xxxxxx | 777704 | xxxxxx | First Payment Date |  | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 777704 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 777704 | xxxxxx | Cash From Borrower | 0.00 | 83228.23 | Verified | Field value reflects source document |
| xxxxxx | 777718 | xxxxxx | Cash From Borrower | 0.00 | 105441.94 | Verified | Field value reflects source document |
| xxxxxx | 777734 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value reflects the Approval/AUS in file. |
| xxxxxx | 777734 | xxxxxx | Cash To Borrower | 125000.00 | 5749.47 | Verified | Field value reflects source document |
| xxxxxx | 777734 | xxxxxx | Investor: Qualifying Total Debt Ratio | 44.34 | 38.80902 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 777848 | xxxxxx | Representative FICO | 704 | 711 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 777848 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 777848 | xxxxxx | Cash To Borrower | 31837.54 | 32251.65 | Verified | Field value reflects source document |
| xxxxxx | 777848 | xxxxxx | Appraisal Effective Date |  | 2022-09-09 | Verified | Tape Value reflects Appraisal Date |
| xxxxxx | 777895 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 777895 | xxxxxx | First Payment Date |  | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 777895 | xxxxxx | Maturity Date |  | xxxxxx | Verified | Field Value reflects Maturity Date per the Note |
| xxxxxx | 777895 | xxxxxx | Original P&I |  | 2071.42 | Verified | Field Value reflects Note value |
| xxxxxx | 777895 | xxxxxx | Cash To Borrower | 92547.07 | 78541.53 | Verified | Field value reflects source document |
| xxxxxx | 777895 | xxxxxx | Appraisal Effective Date |  | 2022-08-24 | Verified | Tape Value reflects Appraisal Date |
| xxxxxx | 778077 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 778077 | xxxxxx | Cash To Borrower | 622005.00 | 554238.92 | Verified | Field value reflects source document |
| xxxxxx | 778123 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 778123 | xxxxxx | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 778123 | xxxxxx | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 778123 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 778123 | xxxxxx | # of Units | 1 | 2 | Verified | Field value reflects source document |
| xxxxxx | 778123 | xxxxxx | Cash From Borrower | 0.00 | 183513.83 | Verified | Field value reflects source document |
| xxxxxx | 778173 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 778173 | xxxxxx | Cash From Borrower | 0.00 | 247825.55 | Verified | Field value reflects source document |
| xxxxxx | 778448 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 778448 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 778448 | xxxxxx | Cash To Borrower | 72194.00 | 62631.64 | Verified | Field value reflects source document |
| xxxxxx | 778469 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 778469 | xxxxxx | Representative FICO | 726 | 739 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 778469 | xxxxxx | Cash To Borrower | 0.00 | 5000.00 | Verified | Field value reflects source document |
| xxxxxx | 778469 | xxxxxx | Original CLTV | 64.32 | 62.95 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 778469 | xxxxxx | Original LTV | 64.32 | 62.95 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 778480 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Security Instrument |
| xxxxxx | 778480 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| xxxxxx | 778480 | xxxxxx | Cash From Borrower | 0.00 | 313207.38 | Verified | Field value reflects source document |
| xxxxxx | 778702 | xxxxxx | Cash To Borrower | 550000.00 | 525448.93 | Verified | Field value reflects source document |
| xxxxxx | 778702 | xxxxxx | Investor: Qualifying Total Debt Ratio | 36 | 17.96789 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 778859 | xxxxxx | Borrower SSN | xxxxxx | xxxxxx | Verified | Field Value verified by application or other documentation in file |
| xxxxxx | 778859 | xxxxxx | First Payment Date |  | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 778859 | xxxxxx | Property Type |  | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 778859 | xxxxxx | Cash From Borrower | 0.00 | 74628.23 | Verified | Field value reflects source document |
| xxxxxx | 778919 | xxxxxx | Original Interest Rate | 7.875 | 7.5 | Verified | Field Value reflects the Note value |
| xxxxxx | 778919 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 778919 | xxxxxx | Cash From Borrower | 0.00 | 193258.68 | Verified | Field value reflects source document |
| xxxxxx | 779081 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 779081 | xxxxxx | Cash To Borrower | 57000.00 | 71011.61 | Verified | Field value reflects source document |
| xxxxxx | 779136 | xxxxxx | Representative FICO | 768 | 774 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 779136 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 779136 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the ARM rider |
| xxxxxx | 779136 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the ARM rider |
| xxxxxx | 779136 | xxxxxx | Cash To Borrower | 154050.00 | 118961.57 | Verified | Field value reflects source document |
| xxxxxx | 779185 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779185 | xxxxxx | First Payment Date |  | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 779185 | xxxxxx | Refi Purpose | Cash-out - Other | Rate/Term | Verified | Up to 10K back for R/T |
| xxxxxx | 779185 | xxxxxx | Cash To Borrower | 18911.58 | 6501.99 | Verified | Field value reflects source document |
| xxxxxx | 779279 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 779279 | xxxxxx | Cash To Borrower | 367046.00 | 316345.40 | Verified | Field value reflects source document |
| xxxxxx | 779279 | xxxxxx | Investor: Qualifying Total Debt Ratio | 52.71 | 54.96689 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 779558 | xxxxxx | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value reflects the Approval/AUS in file. |
| xxxxxx | 779558 | xxxxxx | Cash From Borrower | 0.00 | 205768.06 | Verified | Field value reflects source document |
| xxxxxx | 779725 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 779725 | xxxxxx | # of Units | 4 | 2 | Verified | Field value reflects source document |
| xxxxxx | 779725 | xxxxxx | Cash From Borrower | 0.00 | 111698.32 | Verified | Field value reflects source document |
| xxxxxx | 779735 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 779735 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | Verified | Field Value reflects Maturity Date per the Note |
| xxxxxx | 779735 | xxxxxx | Original P&I |  | 1152.08 | Verified | Field Value reflects Note value |
| xxxxxx | 779735 | xxxxxx | Cash To Borrower | 0.00 | 43600.81 | Verified | Field value reflects source document |
| xxxxxx | 779735 | xxxxxx | Appraisal Effective Date |  | 2022-07-07 | Verified | Tape Value reflects Appraisal Date |
| xxxxxx | 779950 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779964 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779964 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779977 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 779977 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779980 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Security Instrument |
| xxxxxx | 779980 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779980 | xxxxxx | Note Date | xxxxxx | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 779985 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779990 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779994 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 779995 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Security Instrument |
| xxxxxx | 779995 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780023 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Security Instrument |
| xxxxxx | 780044 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 780044 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780370 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 780370 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 780370 | xxxxxx | Representative FICO | 680 | 705 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 780370 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 780370 | xxxxxx | Cash From Borrower | 0.00 | 186796.24 | Verified | Field value reflects source document |
| xxxxxx | 780379 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 780379 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 780379 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 780379 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 780379 | xxxxxx | Cash To Borrower | 416642.60 | 192509.80 | Verified | Field value reflects source document |
| xxxxxx | 780379 | xxxxxx | Original CLTV | 65.61832 | 70 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 780379 | xxxxxx | Original LTV | 65.61832 | 70 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 780506 | xxxxxx | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 780506 | xxxxxx | Cash To Borrower | 210000.00 | 207094.90 | Verified | Field value reflects source document |
| xxxxxx | 780524 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 780524 | xxxxxx | Cash From Borrower | 0.00 | 49634.65 | Verified | Field value reflects source document |
| xxxxxx | 780524 | xxxxxx | Investor: Qualifying Total Debt Ratio | 49.68 | 53.20312 | Verified | This is due to the borrower's income utilized per the most recent bank statement in file. |
| xxxxxx | 780604 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 780604 | xxxxxx | Property Type |  | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 780604 | xxxxxx | Cash From Borrower | 0.00 | 50485.13 | Verified | Field value reflects source document |
| xxxxxx | 780604 | xxxxxx | Investor: Qualifying Total Debt Ratio | 44.66 | 41.11535 | Verified | Field Value DTI is inline with the 1008 DTI. |
| xxxxxx | 780732 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 780732 | xxxxxx | Cash From Borrower | 0.00 | 106418.62 | Verified | Field value reflects source document |
| xxxxxx | 780827 | xxxxxx | Cash To Borrower | 88239.98 | 84821.12 | Verified | Field value reflects source document |
| xxxxxx | 781375 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 781375 | xxxxxx | Cash To Borrower | 1000.00 | 9419.03 | Verified | Field value reflects source document |
| xxxxxx | 781375 | xxxxxx | Investor: Qualifying Total Debt Ratio | 40.893 | 43.89443 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 781923 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 781923 | xxxxxx | Cash From Borrower | 0.00 | 135035.86 | Verified | Field value reflects source document |
| xxxxxx | 781923 | xxxxxx | Investor: Qualifying Total Debt Ratio | 30.838 | 12.50386 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 781985 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 781985 | xxxxxx | Cash From Borrower | 0.00 | 71640.68 | Verified | Field value reflects source document |
| xxxxxx | 782313 | xxxxxx | Cash From Borrower | 0.00 | 894101.17 | Verified | Field value reflects source document |
| xxxxxx | 782313 | xxxxxx | Investor: Qualifying Total Debt Ratio | 26.66 | 22.36186 | Verified | In line with 1008 DTI of 22.362%. |
| xxxxxx | 782368 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 782368 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 782368 | xxxxxx | Borrower SSN | xxxxxx | xxxxxx | Verified | Field Value verified by application or other documentation in file |
| xxxxxx | 782368 | xxxxxx | Cash From Borrower | 0.00 | 1595.84 | Verified | Field value reflects source document |
| xxxxxx | 782509 | xxxxxx | Cash From Borrower | 0.00 | 143902.76 | Verified | Field value reflects source document |
| xxxxxx | 782577 | xxxxxx | Property Type |  | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 782577 | xxxxxx | Cash From Borrower | 0.00 | 336534.54 | Verified | Field value reflects source document |
| xxxxxx | 782816 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 782816 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 782816 | xxxxxx | Cash From Borrower | 0.00 | 119410.21 | Verified | Field value reflects source document |
| xxxxxx | 782854 | xxxxxx | Cash To Borrower | 156223.00 | 159516.09 | Verified | Field value reflects source document |
| xxxxxx | 783054 | xxxxxx | Cash To Borrower | 88965.80 | 88975.89 | Verified | Field value reflects source document |
| xxxxxx | 783105 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 783105 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 783105 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 783105 | xxxxxx | Cash To Borrower | 313805.00 | 91203.19 | Verified | Field value reflects source document |
| xxxxxx | 783138 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 783138 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 783138 | xxxxxx | Cash From Borrower | 0.00 | 49265.78 | Verified | Field value reflects source document |
| xxxxxx | 783138 | xxxxxx | Investor: Qualifying Total Debt Ratio | 43 | 31.14041 | Verified | Higher income and less debt calculated at audit. |
| xxxxxx | 783543 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 783543 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 783543 | xxxxxx | Cash From Borrower | 0.00 | 154977.15 | Verified | Field value reflects source document |
| xxxxxx | 783543 | xxxxxx | Investor: Qualifying Total Debt Ratio | 39.817 | 22.07768 | Verified | Lower debt calculated at audit. |
| xxxxxx | 783599 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 783599 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 783599 | xxxxxx | Cash From Borrower | 0.00 | 173649.68 | Verified | Field value reflects source document |
| xxxxxx | 783651 | xxxxxx | Borrower SSN | xxxxxx | xxxxxx | Verified | Field Value verified by application or other documentation in file |
| xxxxxx | 783651 | xxxxxx | First Payment Date |  | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 783651 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 783651 | xxxxxx | Cash To Borrower | 68016.89 | 72314.46 | Verified | Field value reflects source document |
| xxxxxx | 783983 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 783983 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 783983 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 783983 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 783983 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 783983 | xxxxxx | Prepayment Penalty Period (months) | 36 | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| xxxxxx | 783983 | xxxxxx | Cash From Borrower | 0.00 | 178603.86 | Verified | Field value reflects source document |
| xxxxxx | 784012 | xxxxxx | Cash From Borrower | 0.00 | 78002.63 | Verified | Field value reflects source document |
| xxxxxx | 784091 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 784091 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 784091 | xxxxxx | First Payment Date |  | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 784091 | xxxxxx | Representative FICO | 705 | 764 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 784091 | xxxxxx | Cash To Borrower | 100000.00 | 255264.04 | Verified | Field value reflects source document |
| xxxxxx | 784133 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 784133 | xxxxxx | Cash To Borrower | 30000.00 | 36098.42 | Verified | Field value reflects source document |
| xxxxxx | 784133 | xxxxxx | Investor: Qualifying Total Debt Ratio | 49.94 | 46.37607 | Verified | Field Value DTI is lower than Tape value due to Lender used lower qualifying income than verified by audit |
| xxxxxx | 784274 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 784274 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 784274 | xxxxxx | Borrower SSN | xxxxxx | xxxxxx | Verified | Field Value verified by application or other documentation in file |
| xxxxxx | 784274 | xxxxxx | Cash To Borrower | 50000.00 | 176810.77 | Verified | Field value reflects source document |
| xxxxxx | 784562 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 784774 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 784774 | xxxxxx | Representative FICO | 807 | 796 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 784774 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 784774 | xxxxxx | Cash From Borrower | 0.00 | 610206.45 | Verified | Field value reflects source document |
| xxxxxx | 784774 | xxxxxx | Investor: Qualifying Total Debt Ratio | 23 | 8.17741 | Verified | Field Value DTI is lower than Tape value due to Lender used lower qualifying income than verified by audit |
| xxxxxx | 784974 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 784974 | xxxxxx | Cash To Borrower | 0.00 | 1571.41 | Verified | Field value reflects source document |
| xxxxxx | 784995 | xxxxxx | Cash From Borrower | 0.00 | 28931.93 | Verified | Field value reflects source document |
| xxxxxx | 784995 | xxxxxx | Investor: Qualifying Total Debt Ratio | 26 | 38.19635 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 785095 | xxxxxx | Cash From Borrower | 0.00 | 143319.06 | Verified | Field value reflects source document |
| xxxxxx | 785095 | xxxxxx | Investor: Qualifying Total Debt Ratio | 31 | 37.63272 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 785578 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 785578 | xxxxxx | Cash To Borrower | 300000.00 | 305903.78 | Verified | Field value reflects source document |
| xxxxxx | 785589 | xxxxxx | Property Type |  | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 785589 | xxxxxx | # of Units | 5 | 6 | Verified | Field value reflects source document |
| xxxxxx | 785589 | xxxxxx | Prepayment Penalty Period (months) |  | 36 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| xxxxxx | 785589 | xxxxxx | Cash From Borrower | 0.00 | 162348.52 | Verified | Field value reflects source document |
| xxxxxx | 785735 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 785735 | xxxxxx | Refi Purpose | Cash-out - Other | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 785735 | xxxxxx | Cash From Borrower | 0.00 | 54846.53 | Verified | Field value reflects source document |
| xxxxxx | 785783 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 785783 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 785783 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 785783 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 785783 | xxxxxx | Original CLTV | 77.24654 | 75 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 785783 | xxxxxx | Original LTV | 77.24654 | 75 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 785783 | xxxxxx | Cash From Borrower | 0.00 | 110186.41 | Verified | Field value reflects source document |
| xxxxxx | 786015 | xxxxxx | Cash From Borrower | 0.00 | 319452.86 | Verified | Field value reflects source document |
| xxxxxx | 786064 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 786064 | xxxxxx | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 786064 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 786064 | xxxxxx | Cash From Borrower | 0.00 | 818925.59 | Verified | Field value reflects source document |
| xxxxxx | 786262 | xxxxxx | Cash To Borrower | 0.00 | 2943.34 | Verified | Field value reflects source document |
| xxxxxx | 786297 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 786297 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 786297 | xxxxxx | Cash From Borrower | 0.00 | 142913.25 | Verified | Field value reflects source document |
| xxxxxx | 786443 | xxxxxx | Original Interest Rate | 7.875 | 7.625 | Verified | Field Value reflects the Note value |
| xxxxxx | 786443 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 786443 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 786443 | xxxxxx | Cash From Borrower | 0.00 | 69364.03 | Verified | Field value reflects source document |
| xxxxxx | 786443 | xxxxxx | Investor: Qualifying Total Debt Ratio | 30.127 | 20.8235 | Verified | Higher income calculated at audit. |
| xxxxxx | 786577 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 786577 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 786577 | xxxxxx | Cash From Borrower | 0.00 | 138698.39 | Verified | Field value reflects source document |
| xxxxxx | 786601 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 786601 | xxxxxx | Cash To Borrower | 250000.00 | 277796.21 | Verified | Field value reflects source document |
| xxxxxx | 786610 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 786610 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 786610 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 786610 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 786610 | xxxxxx | Cash From Borrower | 0.00 | 279643.27 | Verified | Field value reflects source document |
| xxxxxx | 786725 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 786725 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 786725 | xxxxxx | Cash To Borrower | 129278.60 | 110631.37 | Verified | Field value reflects source document |
| xxxxxx | 786776 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 786776 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 786776 | xxxxxx | Cash From Borrower | 0.00 | 119093.12 | Verified | Field value reflects source document |
| xxxxxx | 786946 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 786946 | xxxxxx | Cash To Borrower | 404743.00 | 405788.77 | Verified | Field value reflects source document |
| xxxxxx | 787164 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 787164 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 787164 | xxxxxx | Cash To Borrower | 68125.50 | 107831.64 | Verified | Field value reflects source document |
| xxxxxx | 787165 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 787165 | xxxxxx | Cash To Borrower | 116144.25 | 154723.70 | Verified | Field value reflects source document |
| xxxxxx | 789757 | xxxxxx | First Payment Date |  | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 789757 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 789757 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 789757 | xxxxxx | Cash To Borrower | 300000.00 | 347608.86 | Verified | Field value reflects source document |
| xxxxxx | 790369 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 790369 | xxxxxx | Cash From Borrower | 0.00 | 273670.44 | Verified | Field value reflects source document |
| xxxxxx | 790387 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 790387 | xxxxxx | Cash To Borrower | 315000.00 | 153774.20 | Verified | Field value reflects source document |
| xxxxxx | 790478 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 790478 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Original purchase price found on the fraud report. |
| xxxxxx | 790478 | xxxxxx | Cash To Borrower | 494234.16 | 495862.93 | Verified | Field value reflects source document |
| xxxxxx | 790784 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 790784 | xxxxxx | Representative FICO | 711 | 712 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 790784 | xxxxxx | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 790784 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 790784 | xxxxxx | Cash To Borrower | 759937.00 | 759937.61 | Verified | Field value reflects source document |
| xxxxxx | 790794 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 790794 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 790794 | xxxxxx | Cash To Borrower | 88915.70 | 28452.83 | Verified | Field value reflects source document |
| xxxxxx | 790794 | xxxxxx | Investor: Qualifying Total Debt Ratio | 27.92 | 24.39509 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 790858 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 790858 | xxxxxx | Cash From Borrower | 0.00 | 66565.75 | Verified | Field value reflects source document |
| xxxxxx | 790858 | xxxxxx | Investor: Qualifying Total Debt Ratio | 46.638 | 21.55904 | Verified | Field Value DTI is lower than Tape value due to Lender used lower qualifying income than verified by audit |
| xxxxxx | 791275 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 791275 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 791275 | xxxxxx | Maturity Date |  | xxxxxx | Verified | Field Value reflects Maturity Date per the Note |
| xxxxxx | 791275 | xxxxxx | Original P&I |  | 2994.30 | Verified | Field Value reflects Note value |
| xxxxxx | 791275 | xxxxxx | Appraisal Effective Date |  | 2023-05-30 | Verified | Tape Value reflects Appraisal Date |
| xxxxxx | 791275 | xxxxxx | Cash From Borrower | 0.00 | 147674.48 | Verified | Field value reflects source document |
| xxxxxx | 791589 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 791845 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 791845 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 791845 | xxxxxx | Cash To Borrower | 68133.00 | 64206.10 | Verified | Datra Captured from 1008 as HUD-1 is missing in file. |
| xxxxxx | 791848 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 791848 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 791848 | xxxxxx | Investor: Qualifying Total Debt Ratio | 47 | 49.68829 | Verified | The Field Value DTI is inline with the Approval DTI of 50.1%. |
| xxxxxx | 791877 | xxxxxx | # of Units | 5 | 7 | Verified | Field value reflects source document |
| xxxxxx | 791877 | xxxxxx | Cash From Borrower | 0.00 | 172447.37 | Verified | Field value reflects source document |
| xxxxxx | 791942 | xxxxxx | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 791942 | xxxxxx | Cash To Borrower | 182000.00 | 172849.12 | Verified | Field value reflects source document |
| xxxxxx | 791968 | xxxxxx | Cash From Borrower | 0.00 | 134998.60 | Verified | Field value reflects source document |
| xxxxxx | 792073 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 792073 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 792073 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 792073 | xxxxxx | Cash From Borrower | 0.00 | 233453.51 | Verified | Field value reflects source document |
| xxxxxx | 792251 | xxxxxx | First Payment Date |  | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 792251 | xxxxxx | Cash From Borrower | 0.00 | 48956.37 | Verified | Field value reflects source document |
| xxxxxx | 792424 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 792424 | xxxxxx | Cash From Borrower | 0.00 | 192665.44 | Verified | Field value reflects source document |
| xxxxxx | 792433 | xxxxxx | Cash From Borrower | 0.00 | 464263.38 | Verified | Field value reflects source document |
| xxxxxx | 792438 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 792438 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 792438 | xxxxxx | Cash From Borrower | 0.00 | 91253.03 | Verified | Field value reflects source document |
| xxxxxx | 792552 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 792552 | xxxxxx | Investor: Qualifying Total Debt Ratio | 38 | 34.25803 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 792731 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 792731 | xxxxxx | Cash From Borrower | 0.00 | 149824.73 | Verified | Field value reflects source document |
| xxxxxx | 792746 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 792746 | xxxxxx | Cash From Borrower | 0.00 | 147317.71 | Verified | Field value reflects source document |
| xxxxxx | 792764 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 792764 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 792764 | xxxxxx | Cash To Borrower | 325000.00 | 310136.94 | Verified | Field value reflects source document |
| xxxxxx | 792764 | xxxxxx | Original CLTV | 70 | 65 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 792764 | xxxxxx | Original LTV | 70 | 65 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 792769 | xxxxxx | Cash To Borrower | 50000.00 | 30287.76 | Verified | Field value reflects source document |
| xxxxxx | 792780 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 792780 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 792780 | xxxxxx | Cash From Borrower | 0.00 | 76315.06 | Verified | Field value reflects source document |
| xxxxxx | 792812 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 792812 | xxxxxx | Cash From Borrower | 0.00 | 109581.39 | Verified | Field value reflects source document |
| xxxxxx | 792929 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 792929 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 792929 | xxxxxx | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 792929 | xxxxxx | # of Units | 1 | 2 | Verified | Field value reflects source document |
| xxxxxx | 792929 | xxxxxx | Cash From Borrower | 0.00 | 5991.68 | Verified | Field value reflects source document |
| xxxxxx | 793135 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 793135 | xxxxxx | Representative FICO | 804 | 805 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 793135 | xxxxxx | Investor: Qualifying Total Debt Ratio | 3 | 32.60671 | Verified | Field Value DTI is lower than 1008 value due to Lender used lower qualifying income than verified by audit |
| xxxxxx | 793196 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 793196 | xxxxxx | Investor: Qualifying Total Debt Ratio | 43 | 37.01681 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 793275 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 793275 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 793275 | xxxxxx | Property Type |  | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 793275 | xxxxxx | Cash From Borrower | 0.00 | 282461.06 | Verified | Field value reflects source document |
| xxxxxx | 793308 | xxxxxx | Cash From Borrower | 0.00 | 378982.71 | Verified | Field value reflects source document |
| xxxxxx | 793308 | xxxxxx | Investor: Qualifying Total Debt Ratio | 23.66 | 30.89719 | Verified | Audit DTI |
| xxxxxx | 793320 | xxxxxx | First Payment Date |  | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 793320 | xxxxxx | Cash From Borrower | 0.00 | 93596.16 | Verified | Field value reflects source document |
| xxxxxx | 793321 | xxxxxx | Borrower SSN | xxxxxx | xxxxxx | Verified | Field Value verified by application or other documentation in file |
| xxxxxx | 793321 | xxxxxx | First Payment Date |  | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 793321 | xxxxxx | Representative FICO | 680 | 723 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 793321 | xxxxxx | Cash From Borrower | 0.00 | 184393.50 | Verified | Field value reflects source document |
| xxxxxx | 793321 | xxxxxx | Investor: Qualifying Total Debt Ratio | 45 | 47.41178 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 793641 | xxxxxx | Borrower SSN | xxxxxx | xxxxxx | Verified | Field Value verified by application or other documentation in file |
| xxxxxx | 793641 | xxxxxx | First Payment Date |  | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 793641 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 793641 | xxxxxx | Investor: Qualifying Total Debt Ratio | 9 | 5.83491 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 793769 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 793769 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 793769 | xxxxxx | Original Interest Rate | 8 | 7.25 | Verified | Field Value reflects the Note value |
| xxxxxx | 793769 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 793769 | xxxxxx | Interest Only | 0 | 1 | Verified | Field Value reflects 'Interest Only' per the Note |
| xxxxxx | 793769 | xxxxxx | Original CLTV | 60 | 63.43434 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 793769 | xxxxxx | Original LTV | 60 | 63.43434 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 793769 | xxxxxx | Cash From Borrower | 0.00 | 4736.05 | Verified | Field value reflects source document |
| xxxxxx | 793790 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 793790 | xxxxxx | Cash From Borrower | 0.00 | 134897.23 | Verified | Field value reflects source document |
| xxxxxx | 793849 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 793849 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 793849 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 793849 | xxxxxx | # of Units | 1 | 4 | Verified | Field value reflects source document |
| xxxxxx | 793849 | xxxxxx | Cash To Borrower | 500000.00 | 369400.41 | Verified | Field value reflects source document |
| xxxxxx | 793849 | xxxxxx | Original CLTV | 65 | 58.33333 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 793849 | xxxxxx | Original LTV | 65 | 58.33333 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 793900 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 793900 | xxxxxx | Cash From Borrower | 0.00 | 120720.21 | Verified | Field value reflects source document |
| xxxxxx | 793900 | xxxxxx | Investor: Qualifying Total Debt Ratio | 20 | 8.67423 | Verified | In line with 1008 DTI |
| xxxxxx | 794107 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 794107 | xxxxxx | Cash To Borrower | 73719.14 | 72093.29 | Verified | Field value reflects source document |
| xxxxxx | 794274 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 794274 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 794274 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 794274 | xxxxxx | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 794274 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 794593 | xxxxxx | Borrower SSN | xxxxxx | xxxxxx | Verified | Field Value verified by application or other documentation in file |
| xxxxxx | 794593 | xxxxxx | Property Type |  | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 794593 | xxxxxx | Appraisal Effective Date |  | 2023-05-05 | Verified | Tape Value reflects Appraisal Date |
| xxxxxx | 794593 | xxxxxx | Cash From Borrower | 0.00 | 224751.93 | Verified | Field value reflects source document |
| xxxxxx | 794640 | xxxxxx | Borrower SSN | xxxxxx | xxxxxx | Verified | Field Value verified by application or other documentation in file |
| xxxxxx | 794640 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 794645 | xxxxxx | Borrower SSN | xxxxxx | xxxxxx | Verified | Field Value verified by application or other documentation in file |
| xxxxxx | 794645 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 794645 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 794645 | xxxxxx | Appraisal Effective Date |  | 2023-07-05 | Verified | Tape Value reflects Appraisal Date |
| xxxxxx | 794645 | xxxxxx | Borrower FTHB |  | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 794645 | xxxxxx | Cash From Borrower | 0.00 | 145369.76 | Verified | Field value reflects source document |
| xxxxxx | 794645 | xxxxxx | Investor: Qualifying Total Debt Ratio | 38.53 | 43.40082 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 794689 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 794689 | xxxxxx | Cash From Borrower | 0.00 | 142202.55 | Verified | Field value reflects source document |
| xxxxxx | 794779 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 794779 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 794779 | xxxxxx | Investor: Qualifying Total Debt Ratio | 30.06 | 36.54643 | Verified | Missing lease agreement for departing residence to use rental income. |
| xxxxxx | 794808 | xxxxxx | # of Units | 5 | 8 | Verified | Field value reflects source document |
| xxxxxx | 794808 | xxxxxx | Cash From Borrower | 0.00 | 158107.73 | Verified | Field value reflects source document |
| xxxxxx | 794826 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 794826 | xxxxxx | Borrower SSN | xxxxxx | xxxxxx | Verified | Field Value verified by application or other documentation in file |
| xxxxxx | 794826 | xxxxxx | First Payment Date |  | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 794826 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 794826 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 794829 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 794829 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 794829 | xxxxxx | Cash From Borrower | 0.00 | 340690.05 | Verified | Field value reflects source document |
| xxxxxx | 794829 | xxxxxx | Investor: Qualifying Total Debt Ratio | 43.39 | 46.43451 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 795046 | xxxxxx | Original P&I | 1196.04 | 1086.67 | Verified | Field Value reflects Note value |
| xxxxxx | 795051 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 795051 | xxxxxx | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| xxxxxx | 795051 | xxxxxx | Refi Purpose |  | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 795057 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 795074 | xxxxxx | Original CLTV | 0.7 | 70 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 795074 | xxxxxx | Origination Channel | Retail | Broker | Verified | Field Value reflects Retail (Lender Originated) |
| xxxxxx | 795100 | xxxxxx | Original CLTV | 0.63 | 62.5 | Verified | Tape Value is rounded and within less than 1% of actual calculated CLTV |
| xxxxxx | 795100 | xxxxxx | Origination Channel | Retail | Broker | Verified | Field Value reflects Broker per loan applications in file |
| xxxxxx | 795122 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 795122 | xxxxxx | Note Date | xxxxxx | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 795122 | xxxxxx | Original Interest Rate | 7.88 | 7.875 | Verified | Field Value reflects the Note value |
| xxxxxx | 795134 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | Verified | Field Value reflects Maturity Date per the Note |
| xxxxxx | 795177 | xxxxxx | Original CLTV | 0.7 | 70 | Verified | Tape Value reflects decimal point in incorrect position |
| xxxxxx | 795461 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 795461 | xxxxxx | Refi Purpose | Cash-out - Other | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 795538 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 795538 | xxxxxx | Property Type |  | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 795538 | xxxxxx | Cash From Borrower | 0.00 | 694804.62 | Verified | Field value reflects source document |
| xxxxxx | 795569 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 795569 | xxxxxx | Cash From Borrower | 0.00 | 63626.77 | Verified | Field value reflects source document |
| xxxxxx | 795680 | xxxxxx | Borrower SSN | xxxxxx | xxxxxx | Verified | Field Value verified by application or other documentation in file |
| xxxxxx | 795680 | xxxxxx | Cash From Borrower | 0.00 | 75445.27 | Verified | Field value reflects source document |
| xxxxxx | 795704 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 795704 | xxxxxx | Cash To Borrower | 330000.00 | 290741.68 | Verified | Field value reflects source document |
| xxxxxx | 795980 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 795980 | xxxxxx | Cash From Borrower | 0.00 | 86788.42 | Verified | Field value reflects source document |
| xxxxxx | 796068 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 796068 | xxxxxx | Property Type |  | 4 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 796068 | xxxxxx | Cash To Borrower | 0.00 | 120277.15 | Verified | Field value reflects source document |
| xxxxxx | 796232 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 796232 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 796232 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 796232 | xxxxxx | Representative FICO | 772 | 803 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 796232 | xxxxxx | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 796232 | xxxxxx | Cash From Borrower | 0.00 | 145258.40 | Verified | Field value reflects source document |
| xxxxxx | 796388 | xxxxxx | Borrower SSN | xxxxxx | xxxxxx | Verified | Field Value verified by application or other documentation in file |
| xxxxxx | 796388 | xxxxxx | First Payment Date |  | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 796388 | xxxxxx | Maturity Date |  | xxxxxx | Verified | Field Value reflects Maturity Date per the Note |
| xxxxxx | 796388 | xxxxxx | Original P&I |  | 1373.99 | Verified | Field Value reflects Note value |
| xxxxxx | 796388 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 796388 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 796388 | xxxxxx | Appraisal Effective Date |  | 2023-08-14 | Verified | Tape Value reflects Appraisal Date |
| xxxxxx | 796388 | xxxxxx | Cash From Borrower | 0.00 | 74509.63 | Verified | Field value reflects source document |
| xxxxxx | 796424 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 796424 | xxxxxx | Cash To Borrower | 284002.94 | 267838.95 | Verified | Field value reflects source document |
| xxxxxx | 796550 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 796550 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 796550 | xxxxxx | Cash To Borrower | 111351.00 | 109914.15 | Verified | Field value reflects source document |
| xxxxxx | 796594 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 796594 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 796594 | xxxxxx | Cash From Borrower | 0.00 | 85801.47 | Verified | Field value reflects source document |
| xxxxxx | 796594 | xxxxxx | Investor: Qualifying Total Debt Ratio | 50 | 52.74067 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 796637 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 796637 | xxxxxx | Cash From Borrower | 0.00 | 86255.18 | Verified | Field value reflects source document |
| xxxxxx | 796742 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 796742 | xxxxxx | Cash To Borrower | 180823.55 | 182984.33 | Verified | Field value reflects source document |
| xxxxxx | 797156 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 797156 | xxxxxx | Cash To Borrower | 130348.85 | 79736.02 | Verified | Field value reflects source document |
| xxxxxx | 797180 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 797180 | xxxxxx | Investor: Qualifying Total Debt Ratio | 6 | 1.50124 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 797189 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 797189 | xxxxxx | Cash From Borrower | 0.00 | 254813.65 | Verified | Field value reflects source document |
| xxxxxx | 797436 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 797436 | xxxxxx | Cash From Borrower | 0.00 | 182350.58 | Verified | Field value reflects source document |
| xxxxxx | 797441 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 797441 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 797441 | xxxxxx | Cash From Borrower | 0.00 | 98157.12 | Verified | Field value reflects source document |
| xxxxxx | 797490 | xxxxxx | Property Type |  | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 797490 | xxxxxx | # of Units | 5 | 8 | Verified | Field value reflects source document |
| xxxxxx | 797603 | xxxxxx | Borrower SSN | xxxxxx | xxxxxx | Verified | Field Value verified by application or other documentation in file |
| xxxxxx | 797603 | xxxxxx | First Payment Date |  | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 797603 | xxxxxx | Representative FICO | 738 | 737 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 797603 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | verified from source document |
| xxxxxx | 797603 | xxxxxx | Cash To Borrower | 10000.00 | 169851.78 | Verified | Field value reflects source document |
| xxxxxx | 798095 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 798095 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 798095 | xxxxxx | Cash To Borrower | 499973.88 | 620773.34 | Verified | Field value reflects source document |
| xxxxxx | 798223 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 798223 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 798223 | xxxxxx | Cash To Borrower | 140000.00 | 135823.49 | Verified | Field value reflects source document |
| xxxxxx | 798400 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 798400 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 798445 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 798445 | xxxxxx | Cash To Borrower | 400000.00 | 118210.03 | Verified | Field value reflects source document |
| xxxxxx | 798745 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 798745 | xxxxxx | Representative FICO | 654 | 655 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 798745 | xxxxxx | Cash To Borrower | 208695.00 | 207094.35 | Verified | Field value reflects source document |
| xxxxxx | 798899 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 799873 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 799873 | xxxxxx | First Payment Date |  | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 799873 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 799873 | xxxxxx | Cash From Borrower | 0.00 | 9210.13 | Verified | Field value reflects source document |
| xxxxxx | 799873 | xxxxxx | Original HLTV | 0 | 63.36634 | Verified | Field value reflects source document |
| xxxxxx | 802603 | xxxxxx | Borrower SSN | xxxxxx | xxxxxx | Verified | Field Value verified by application or other documentation in file |
| xxxxxx | 802603 | xxxxxx | First Payment Date |  | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 802603 | xxxxxx | Original Interest Rate | 7.875 | 7.75 | Verified | Field Value reflects the Note value |
| xxxxxx | 802603 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 802603 | xxxxxx | Cash To Borrower | 39729.00 | 37795.50 | Verified | Field value reflects source document |
| xxxxxx | 802603 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 803090 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 803090 | xxxxxx | Cash To Borrower | 283880.00 | 286272.96 | Verified | Field value reflects source document |
| xxxxxx | 803090 | xxxxxx | Original HLTV | 0 | 30.61224 | Verified | Field value reflects source document |
| xxxxxx | 803107 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 803107 | xxxxxx | Cash To Borrower | 98931.79 | 94738.85 | Verified | Field value reflects source document |
| xxxxxx | 803107 | xxxxxx | Original HLTV | 0 | 58.51064 | Verified | Field value reflects source document |
| xxxxxx | 803929 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 803929 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 803929 | xxxxxx | Cash From Borrower | 0.00 | 157221.28 | Verified | Field value reflects source document |
| xxxxxx | 803929 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 804023 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 804023 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 804023 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 804023 | xxxxxx | Cash From Borrower | 0.00 | 20261.26 | Verified | Field value reflects source document |
| xxxxxx | 804023 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 807381 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 807381 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 807381 | xxxxxx | Cash To Borrower | 350000.00 | 328955.02 | Verified | Field value reflects source document |
| xxxxxx | 807381 | xxxxxx | Original HLTV | 0 | 48.27586 | Verified | Field value reflects source document |
| xxxxxx | 807552 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 807552 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 807552 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 807552 | xxxxxx | Cash From Borrower | 0.00 | 80956.95 | Verified | Field value reflects source document |
| xxxxxx | 807552 | xxxxxx | Original HLTV | 0 | 89.9999 | Verified | Field value reflects source document |
| xxxxxx | 808547 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 808547 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 808547 | xxxxxx | Cash From Borrower | 0.00 | 311268.45 | Verified | Field value reflects source document |
| xxxxxx | 808547 | xxxxxx | Original HLTV | 0 | 64.99994 | Verified | Field value reflects source document |
| xxxxxx | 808973 | xxxxxx | PITIA Reserves Months | 115.00 | 120.47 | Verified | Field value reflects source document |
| xxxxxx | 808976 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 808976 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 808976 | xxxxxx | PITIA Reserves Months | 29.00 | 34.15 | Verified | Field value reflects source document |
| xxxxxx | 808976 | xxxxxx | Borrower Citizenship | xxxxxx | xxxxxx | Verified | Guarantor is a citizen |
| xxxxxx | 808976 | xxxxxx | Residual Income Amount | -2925.14 |  | Verified | DSCR loan |
| xxxxxx | 808976 | xxxxxx | Subject Debt Service Coverage Ratio | 1.00 | 1.01 | Verified | The difference is less than 1.00 |
| xxxxxx | 809028 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Guarantor |
| xxxxxx | 809028 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 809028 | xxxxxx | Property Type | Townhouse | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 809028 | xxxxxx | PITIA Reserves Months | 14.00 | 87.88 | Verified | Field value reflects source document |
| xxxxxx | 809030 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Guarantor |
| xxxxxx | 809030 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 809030 | xxxxxx | Property Type | Townhouse | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 809030 | xxxxxx | PITIA Reserves Months | 54.00 | 87.57 | Verified | Field value reflects source document |
| xxxxxx | 809039 | xxxxxx | PITIA Reserves Months | 3.00 | 8.94 | Verified | Field value reflects source document |
| xxxxxx | 809106 | xxxxxx | Investor: Qualifying Total Debt Ratio | 13.74 | 16.67966 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 809106 | xxxxxx | Residual Income Amount | -5727.94 |  | Verified | Field value reflects source document |
| xxxxxx | 809147 | xxxxxx | PITIA Reserves Months | 6.00 | 19.33 | Verified | Tape reflects minimum amount |
| xxxxxx | 809147 | xxxxxx | Residual Income Amount | -5499.78 |  | Verified | DSCR loan |
| xxxxxx | 809156 | xxxxxx | PITIA Reserves Months | 6.00 | 6.83 | Verified | Field value reflects source document |
| xxxxxx | 809235 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Guarantor. |
| xxxxxx | 809235 | xxxxxx | Borrower Citizenship | xxxxxx | xxxxxx | Verified | Guarantor. |
| xxxxxx | 809235 | xxxxxx | Coborrower Citizenship | xxxxxx |  | Verified | Guarantor. |
| xxxxxx | 832946 | xxxxxx | Cash To Borrower | 82108.00 | 82834.75 | Verified | Field value reflects source document |
| xxxxxx | 832946 | xxxxxx | Original HLTV | 0 | 12.2449 | Verified | Field value reflects source document |
| xxxxxx | 834022 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 834022 | xxxxxx | Cash From Borrower | 0.00 | 107164.30 | Verified | Field value reflects source document |
| xxxxxx | 834022 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 835219 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 835219 | xxxxxx | Cash To Borrower | 1110682.00 | 837580.36 | Verified | Field value reflects source document |
| xxxxxx | 835219 | xxxxxx | Original HLTV | 0 | 68.18182 | Verified | Field value reflects source document |
| xxxxxx | 835592 | xxxxxx | Cash From Borrower | 0.00 | 519947.31 | Verified | Field value reflects source document |
| xxxxxx | 835592 | xxxxxx | Original HLTV | 0 | 79.99996 | Verified | Field value reflects source document |
| xxxxxx | 836736 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 836736 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 836736 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 836736 | xxxxxx | Representative FICO | 725 | 741 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 836736 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 836736 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 836736 | xxxxxx | Cash From Borrower | 0.00 | 141122.03 | Verified | Field value reflects source document |
| xxxxxx | 836736 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 836971 | xxxxxx | Cash To Borrower | 89760.52 | 83618.83 | Verified | Field value reflects source document |
| xxxxxx | 836971 | xxxxxx | Original HLTV | 0 | 33.37218 | Verified | Field value reflects source document |
| xxxxxx | 837042 | xxxxxx | Cash To Borrower | 250000.00 | 247894.19 | Verified | Field value reflects source document |
| xxxxxx | 837042 | xxxxxx | Investor: Qualifying Total Debt Ratio | 33.202 | 35.2389 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 837042 | xxxxxx | Original HLTV | 0 | 67.64706 | Verified | Field value reflects source document |
| xxxxxx | 837142 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 837142 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 837142 | xxxxxx | Cash From Borrower | 0.00 | 1000.00 | Verified | Field value reflects source document |
| xxxxxx | 837142 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 837142 | xxxxxx | Refi Purpose | Cash-out - Other | Rate/Term | Verified |  |
| xxxxxx | 837205 | xxxxxx | Cash From Borrower | 0.00 | 40979.94 | Verified | Field value reflects source document |
| xxxxxx | 837205 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 837220 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 837220 | xxxxxx | Representative FICO | 742 | 757 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 837220 | xxxxxx | Cash From Borrower | 0.00 | 205200.29 | Verified | Field value reflects source document |
| xxxxxx | 837220 | xxxxxx | Investor: Qualifying Total Debt Ratio | 3.427 | 34.96306 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 837220 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 837233 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 837233 | xxxxxx | Cash From Borrower | 0.00 | 145755.66 | Verified | Field value reflects source document |
| xxxxxx | 837233 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 837258 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 837258 | xxxxxx | Cash From Borrower | 0.00 | 173400.18 | Verified | Field value reflects source document |
| xxxxxx | 837258 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 837301 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 837301 | xxxxxx | Cash To Borrower | 371544.00 | 386698.31 | Verified | Field value reflects source document |
| xxxxxx | 837301 | xxxxxx | Original HLTV | 0 | 64.70588 | Verified | Field value reflects source document |
| xxxxxx | 837324 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 837324 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 837324 | xxxxxx | Cash From Borrower | 0.00 | 122047.62 | Verified | Field value reflects source document |
| xxxxxx | 837324 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 837361 | xxxxxx | Cash From Borrower | 0.00 | 40699.67 | Verified | Field value reflects source document |
| xxxxxx | 837361 | xxxxxx | Investor: Qualifying Total Debt Ratio | 40.3 | 44.06987 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 837361 | xxxxxx | Original HLTV | 0 | 74.87179 | Verified | Field value reflects source document |
| xxxxxx | 837398 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 837398 | xxxxxx | Cash From Borrower | 0.00 | 66953.68 | Verified | Field value reflects source document |
| xxxxxx | 837398 | xxxxxx | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 837438 | xxxxxx | Property Type | Condotel | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 837438 | xxxxxx | Cash From Borrower | 0.00 | 83168.10 | Verified | Field value reflects source document |
| xxxxxx | 837438 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 837439 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 837439 | xxxxxx | Cash To Borrower | 461500.00 | 447488.84 | Verified | Field value reflects source document |
| xxxxxx | 837439 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 837681 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 837681 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 837681 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 837681 | xxxxxx | Cash From Borrower | 0.00 | 170452.49 | Verified | Field value reflects source document |
| xxxxxx | 837681 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 837846 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 837846 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 837846 | xxxxxx | Cash To Borrower | 21722.00 | 20895.67 | Verified | Field value reflects source document |
| xxxxxx | 837846 | xxxxxx | Original CLTV | 37.87368 | 40.55005 | Verified | Included deferred balance |
| xxxxxx | 837846 | xxxxxx | Investor: Qualifying Total Debt Ratio | 48.92 | 40.98702 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 837846 | xxxxxx | Original HLTV | 0 | 7.83276 | Verified | Field value reflects source document |
| xxxxxx | 837878 | xxxxxx | Cash From Borrower | 0.00 | 170265.03 | Verified | Field value reflects source document |
| xxxxxx | 837878 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 838276 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 838276 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 838276 | xxxxxx | Cash From Borrower | 0.00 | 104295.55 | Verified | Field value reflects source document |
| xxxxxx | 838276 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 838466 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 838466 | xxxxxx | Representative FICO | 732 | 756 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 838466 | xxxxxx | Cash To Borrower | 119198.00 | 110087.05 | Verified | Field value reflects source document |
| xxxxxx | 838466 | xxxxxx | Original HLTV | 0 | 24.51552 | Verified | Field value reflects source document |
| xxxxxx | 838526 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 838526 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 838526 | xxxxxx | Cash To Borrower | 88984.77 | 55319.39 | Verified | Field value reflects source document |
| xxxxxx | 838526 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 842100 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 842100 | xxxxxx | Cash From Borrower | 0.00 | 412253.84 | Verified | Field value reflects source document |
| xxxxxx | 842100 | xxxxxx | Original HLTV | 0 | 69.23077 | Verified | Field value reflects source document |

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## Exhibit 99.3

**EXHIBIT 99.3** 

**AMC EXCEPTION GRADES**

![](tm2529005d1_ex99-3img001.jpg)

**Exception Grades**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **DBRS Initial Exception Rating** | **Kroll Initial Exception Rating** | **Moody's Initial Exception Rating** | **Moody's Final Exception Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Compliance<br> Initial Loan Grade** | **Compliance<br> Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** | **Scope** |
| xxxxxx | 771424 | xxxxxx | 25919265 | xxxxxx | 06/15/2022 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Missing Verification of Rent or if living rent free provide a Letter of explanation (LOE) executed by such Relative confirming that there xxxxxx s no monthly obligation. |  | Reviewer Comment (2022-06-16): Rent-free LOE received | 06/16/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771424 | xxxxxx | 25920025 | xxxxxx | 06/15/2022 | 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 (2025-10-02): The TPOL was provided. | 10/02/2025 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771424 | xxxxxx | 25920337 | xxxxxx | 06/15/2022 | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.66831% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .66831%). |  |  | Reviewer Comment (2022-06-14): The client elects to waive. |  |  | 06/14/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 771424 | xxxxxx | 25920360 | xxxxxx | 06/15/2022 | 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 failing ATR due to post close funds of $99,000 used for closing. |  | Reviewer Comment (2022-06-27): QM | 06/27/2022 |  |  | 1 | B A C | B A | C | A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM status C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 771424 | xxxxxx | 25920361 | xxxxxx | 06/15/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. (Gift Funds/Gift Funds) | Loan is failing ATR due to post close funds of $99,000 used for closing. |  | Reviewer Comment (2022-06-27): Client elects to waive<br>Reviewer Comment (2022-06-27): Exception regraded to xxxxxx based on comp factors and gift letter evidencing no repayment of gift is expected. Gift letter for $85K in file dated 4/18<br>Reviewer Comment (2022-06-16): Receipt of Funds was already provided. Reason for failure; the Gift Letter for $99,000 is dated post-consummation. |  |  | 06/27/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771424 | xxxxxx | 25920537 | xxxxxx | 06/15/2022 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 3.95 is less than Guideline PITIA months reserves of 4.00. |  |  | Reviewer Comment (2022-06-24): Paid invoice provided for appraisal. Added to DTI. 4 months reserve requirement now met.<br>Reviewer Comment (2022-06-17): Received PCCD and Final Closing Statement. 1) Please provide Final Closing Statement that is stamped/certified by Title agent. 2) updated figures from PCCD still short. Please provided borrower paid invoice for the $600 POC (Appraisal) that we can add back to closing funds.<br>Reviewer Comment (2022-06-17): Exception Explanation Updated from: Calculated PITIA months reserves of 3.48 is less than Guideline PITIA months reserves of 4.00.<br>Reviewer Comment (2022-06-16): Cash to close is calculated as Funds to Close + EMD + POCB fees + any adjustments on the Final CD. Currently remaining reserves after funds to close is $8,620.63 or 3.48 months. | 06/24/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771424 | xxxxxx | 25920982 | xxxxxx | 06/15/2022 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | Reviewer Comment (2025-10-02): The TPOL was provided.<br>Reviewer Comment (2022-06-14): The client elects to waive. | 10/02/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771424 | xxxxxx | 25921641 | xxxxxx | 06/15/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List in file was provided; however, it is not dated by the lender. |  | Reviewer Comment (2022-06-14): The client elects to waive. |  |  | 06/14/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 770863 | xxxxxx | 25925091 | xxxxxx | 06/15/2022 | 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 (2025-10-01): The TPOL was provided. | 10/01/2025 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 770863 | xxxxxx | 25925144 | xxxxxx | 06/15/2022 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  | 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>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-01): The TPOL was provided.<br>Reviewer Comment (2022-06-14): The client elects to waive. | 10/01/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 770887 | xxxxxx | 25924594 | xxxxxx | 06/15/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Borrower received disclosure but date of Homeownership Counseling List cannot be determined. |  | Reviewer Comment (2022-06-14): The client elects to waive. |  |  | 06/14/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 770888 | xxxxxx | 25920704 | xxxxxx | 06/15/2022 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Collections / Balance: xxxxxx | collection and charge-off accounts must be paid in full on or before closing. Collection is not disputed. | 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>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2022-06-15): Client elects to waive |  |  | 06/15/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 770888 | xxxxxx | 25920926 | xxxxxx | 06/15/2022 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Coverage Amount is insufficient in the amount of xxxxxx. |  | Reviewer Comment (2022-06-27): RCE received<br>Reviewer Comment (2022-06-22): Guidelines state for Hazard/Flood/Title insurance, standard xxxxxx/xxxxxx requirements apply. xxxxxx; \*100% of the insurable value of the improvements, as established by the property insurer; or \* the unpaid principal balance of the mortgage, as long as it at least equals the minimum amount—80% of the insurable value of the improvements—required to compensate for damage or loss on a replacement cost basis. If it does not, then coverage that does provide the minimum required amount must be obtained.<br>Reviewer Comment (2022-06-17): Additional Coverage is included. (Estimated Cost New is $1,055,600 x 80% = $844,480 - HOI coverage $533,000 - Additional Coverage $266,500 = 44,980 Shortfall.)<br>Reviewer Comment (2022-06-17): We have the additional coverage included. The insurance coverage should reflect the insurable value of the improvements, as established by the property insurer. No RCE was provided. Estimated Cost New is $1,055,600 x 80% = $844,480 - HOI coverage $533,000 - Additional = $266,500 =44,980 Shortfall. | 06/27/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 770888 | xxxxxx | 25921717 | xxxxxx | 06/15/2022 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Safe Harbor requirements not satisfied. |  | Reviewer Comment (2022-06-15): Client elects to waive |  |  | 06/15/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 770888 | xxxxxx | 25975597 | xxxxxx | 06/15/2022 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, Address: xxxxxx, Address: xxxxxx Insurance Verification<br> Insurance Verification<br> Insurance Verification | Missing proof of HOI on the following REOs: xxxxxx. | 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>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2022-06-22): Client elects to waive with verified compensating factors<br>Reviewer Comment (2022-06-17): The file does not verify that these properties are free of any HOI. Client can elect to waive.<br>Reviewer Comment (2022-06-17): Please provided a borrower attestation that no insurance is available on these properties. |  |  | 06/22/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 770888 | xxxxxx | 25975600 | xxxxxx | 06/15/2022 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  | 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>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-10-01): The TPOL was provided.<br>Reviewer Comment (2022-06-15): Client elects to waive | 10/01/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 770888 | xxxxxx | 25975601 | xxxxxx | 06/15/2022 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-06-17): Received UW Cert addressing flags | 06/17/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 770888 | xxxxxx | 25975615 | xxxxxx | 06/15/2022 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  | Reviewer Comment (2022-06-15): Client elects to waive |  |  | 06/15/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 770888 | xxxxxx | 25975616 | xxxxxx | 06/15/2022 | 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 $978.75 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | Zero percent fee tolerance exceeded. |  | Reviewer Comment (2022-06-28): SitusAMC Received COC dated xxxxxx shows a valid reason for change and a supporting rate lock..<br>Reviewer Comment (2022-06-27): SitusAMC Received a rate lock confirmation showing the rate lock date as xxxxxx and the discount point was added on the CD dated xxxxxx which is not within 3 days from the change date. Please provide a valid COC/Rate lock extension(if available) within 3 days prior to the Cd date xxxxxx or provide cure documents.<br>Reviewer Comment (2022-06-21): SitusAMC upon further review require additional supporting document/rate lock as the appraisal value amount on the CD dated xxxxxx on which discount point was added is same as the other LEs and CD of xxxxxx not xxxxxx. Please provide supporting document/rate lock or please provide cure documents.<br>Reviewer Comment (2022-06-17): SitusAMC received COC dated xxxxxx , it does not give sufficient information on why the Loan Discount Points was added. It states Appraisal value changed from xxxxxx to xxxxxx. From Initial LE xxxxxx till Final CD xxxxxx fee is $ xxxxxx it hasn't changed. In order to determine if the COC is valid more information is necessary on reason fee added and when lender became aware of the change. A valid COC or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Reviewer Comment (2022-06-17): SitusAMC upon further review as per comment COC dated xxxxxx stating appriased value changed from xxxxxx to xxxxxx. However, in all CD's Appraisaed value is same xxxxxx. So kindly provide a COC with additional information to justify why the fee Loan Discount Points added $978.75 on CD dated xxxxxx or provide Cure. | 06/28/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 770866 | xxxxxx | 25923932 | xxxxxx | 06/16/2022 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Title policy amount is missing on provided Title preliminary report. | 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'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. | Reviewer Comment (2025-10-02): The TPOL was provided<br>Reviewer Comment (2022-06-15): Client elects to waive | 10/02/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | D A B | A | A D | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 770866 | xxxxxx | 25930976 | xxxxxx | 06/16/2022 | 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 (2025-10-02): The TPOL was provided. | 10/02/2025 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | D A B | A | A D | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 770866 | xxxxxx | 25931004 | xxxxxx | 06/16/2022 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2022-06-22): CDA received<br>Reviewer Comment (2022-06-22): CDA has been ordered and loan will be updated once received.<br>Reviewer Comment (2022-06-21): CDA will be ordered<br>Reviewer Comment (2022-06-21): This condition is not in reference to a HELOC but a secondary valuation (i.e. CDA/ARR) for securitization. | 06/22/2022 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Primary | Purchase | D A B | A | A D | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 770862 | xxxxxx | 25930129 | xxxxxx | 06/16/2022 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary | Missing the Final Title Policy. |  | Reviewer Comment (2025-10-02): The TPOL was provided | 10/02/2025 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 770862 | xxxxxx | 25931606 | xxxxxx | 06/16/2022 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | FACTA Disclosure provided xxxxxx which is the same date as the Note Date of xxxxxx . |  | Reviewer Comment (2022-06-15): Client elects to waive |  |  | 06/15/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 770862 | xxxxxx | 25933265 | xxxxxx | 06/16/2022 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Tax Verification |  | 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>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-06-23): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-06-22): We did receive and review the documents for xxxxxx; however, we are missing any Tax Verification. The provided CD does not include escrows and no other tax details was provided. |  |  | 06/23/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 770862 | xxxxxx | 25977577 | xxxxxx | 06/16/2022 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  | 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>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-02): The TPOL was provided.<br>Reviewer Comment (2022-06-15): Client elects to waive | 10/02/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 770862 | xxxxxx | 25977579 | xxxxxx | 06/16/2022 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-06-22): Received UW Cert addressing red flags | 06/22/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 770881 | xxxxxx | 25924082 | xxxxxx | 06/16/2022 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Preliminary Report does not show coverage amount. | 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>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-01): The TPOL was provided<br>Reviewer Comment (2022-06-15): Client elects to waive | 10/01/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 770881 | xxxxxx | 25935684 | xxxxxx | 06/16/2022 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Final | Title provided is preliminary. |  | Reviewer Comment (2025-10-02): The TPOL was provided<br>Reviewer Comment (2025-10-02): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: Title Evidence: Preliminary | 10/02/2025 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 770881 | xxxxxx | 25937608 | xxxxxx | 06/16/2022 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  | Reviewer Comment (2022-06-15): Client elects to waive |  |  | 06/15/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 770881 | xxxxxx | 25942524 | xxxxxx | 06/16/2022 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 2.47 is less than Guideline PITIA months reserves of 4.00. |  | 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>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-06-23): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-06-23): Even with closing statement verifying gift of equity funds of $$183,293.90, new reserve count is 2.47 vs. 4.00. Gift of Equity funds cannot be utilized for reserves. Further, the additional funds provided are post closing bank statements and cannot be considered. Disbursement date has no bearing on this.<br>Reviewer Comment (2022-06-23): Exception Explanation Updated from: Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 4.00.<br>Reviewer Comment (2022-06-23): Unable to clear. Compliance testing is based off Consummation Date (Notary) which was xxxxxx <br>Reviewer Comment (2022-06-22): Unable to clear. We are using xxxxxx funds, but can only use available balance as of consummation, not post-consummation balance. |  |  | 06/23/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 770881 | xxxxxx | 25977839 | xxxxxx | 06/16/2022 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Issue: Subject loan is a non-arms length transaction outside of credit guidelines |  | Per guidelines, FSBO transactions must be arms length transactions. Per the loan documents, subject is a non-arms length FSBO transaction. | 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>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-06-23): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-06-23): Mother and son transaction is considered non-arms. Subject property was not listed on MLS or have any xxxxxx involved. This would be considered FSBO. Under the bullet point Non-Arm's Length Transaction is allowed with following restriction: For-Sale-By-Owner (FSBO) transactions must be arms-length.<br>Reviewer Comment (2022-06-22): No new documents received to clear. Per guidelines, FSBO transactions must be arms length transactions. Per the loan documents, subject is a non-arms length FSBO transaction. |  |  | 06/23/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 770881 | xxxxxx | 25982647 | xxxxxx | 06/16/2022 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | The gift of equity letter provided reflects a gift in the amount of $185,000; however, per the final CD, the gift of equity was $170,000. Please provide corrected gift of equity letter. | 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>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-06-23): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-06-23): The gift letter states $182,293, however the PC-CD/Closing Statement reflects $183,293.90.<br>Reviewer Comment (2022-06-23): No new attachments founds - please resend<br>Reviewer Comment (2022-06-22): Received PCCD and Closing Statement that shows Gift of Equity of $183,293.90. Gift Letter States $185,000. Please provide corrected gift of equity letter. |  |  | 06/23/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 770881 | xxxxxx | 25982649 | xxxxxx | 06/16/2022 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $184,361.55 is less than Cash From Borrower $184,843.06. |  |  | Reviewer Comment (2022-06-23): Received PCCD with Final (stamped) Settlement Statement.<br>Reviewer Comment (2022-06-22): Unable to clear. We are using xxxxxx funds, but can only use available balance as of consummation, not post-consummation balance. | 06/23/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 770881 | xxxxxx | 25982650 | xxxxxx | 06/16/2022 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  | 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>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-06-22): Client elects to waive with verified compensating factors. Per client, Red Flags for borrower identity and employer name, additionally for insurance company name, addressed via SAM.gov search completed on borrower, SSN Verification Report, OFAC search on FSBO, and insurance company on file. Compensating Factors: FICO 740 and > 3 years on current job. |  |  | 06/22/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 770867 | xxxxxx | 25942254 | xxxxxx | 06/16/2022 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Title policy amount is missing on provided Title preliminary report. | 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. | Reviewer Comment (2025-10-02): The TPOL was provided.<br>Reviewer Comment (2022-06-15): Client elects to waive | 10/02/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 770867 | xxxxxx | 25946452 | xxxxxx | 06/16/2022 | 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 (2025-10-02): The TPOL was provided. | 10/02/2025 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 770867 | xxxxxx | 25983428 | xxxxxx | 06/16/2022 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per the guidelines for the WVOE program, information in Part II (for borrower's dates of employment, position, probability of continued employment, earnings, continuity, average hours of work, pay increase) must not be pre-filled or electronically filled out. Per the WVOE provided, all of these fields were electronically completed. |  | Reviewer Comment (2022-06-22): Received WVOE fully handwritten. | 06/22/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 770867 | xxxxxx | 25984768 | xxxxxx | 06/16/2022 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-06-22): Received UW cert addressing flags | 06/22/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771635 | xxxxxx | 25944737 | xxxxxx | 06/16/2022 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Preliminary Report does not show coverage amount. | Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-02): The TPOL was provided.<br>Reviewer Comment (2022-06-15): Client elects to waive | 10/02/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771635 | xxxxxx | 25945603 | xxxxxx | 06/16/2022 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary | Missing the Final Title Policy. |  | Reviewer Comment (2025-10-02): The TPOL was provided. | 10/02/2025 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771635 | xxxxxx | 25985108 | xxxxxx | 06/16/2022 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Per guidelines for borrowers who currently live rent free, an LOE from the party they live with, stating how long they have resided there and that they do not pay any rent, is required and missing from the loan file. | Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-06-22): Client elects to waive with verified compensating factors<br>Reviewer Comment (2022-06-21): To support living rent-free, please provided an LOE from the party they live with, stating how long they have resided there and that they do not pay any rent. (Bullet point in guideline 5.3) |  |  | 06/22/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771635 | xxxxxx | 25985411 | xxxxxx | 06/16/2022 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-06-21): Verified; Income Employment verified with WVOE, Third Party. Identity with DL and SS Verification Services Report. | 06/21/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771007 | xxxxxx | 25942256 | xxxxxx | 06/17/2022 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Title policy amount is missing on provided Title preliminary report. | 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. | Reviewer Comment (2025-10-01): The TPOL was provided.<br>Reviewer Comment (2022-06-17): Client elects to waive | 10/01/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771007 | xxxxxx | 25948496 | xxxxxx | 06/17/2022 | 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 (2025-10-01): The TPOL was provided. | 10/01/2025 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771007 | xxxxxx | 26014723 | xxxxxx | 06/17/2022 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  | Reviewer Comment (2022-06-17): Client elects to waive |  |  | 06/17/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771007 | xxxxxx | 26014724 | xxxxxx | 06/17/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List was provided; however, it is not dated to determine if it was obtained within 30 days of application. |  | Reviewer Comment (2022-06-17): Client elects to waive |  |  | 06/17/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771009 | xxxxxx | 25956324 | xxxxxx | 06/17/2022 | 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 (2025-10-02): The TPOL was provided. | 10/02/2025 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771009 | xxxxxx | 25956883 | xxxxxx | 06/17/2022 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | The Facta Credit Score disclosure was provided on xxxxxx which is the same date of closing. |  | Reviewer Comment (2022-06-17): Client elects to waive |  |  | 06/17/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771009 | xxxxxx | 25956884 | xxxxxx | 06/17/2022 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | The initial disclosure was sent to the borrower on xxxxxx and signed on xxxxxx . |  | Reviewer Comment (2022-06-17): Client elects to waive |  |  | 06/17/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771009 | xxxxxx | 25956964 | xxxxxx | 06/17/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxxxx disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. (Final xxxxxx) |  |  | Reviewer Comment (2022-06-17): Client elects to waive |  |  | 06/17/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Good Faith Redisclosure B A | B | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 771009 | xxxxxx | 25960531 | xxxxxx | 06/17/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The Homeownership Counseling Disclosure did not disclose the agency list date. |  | Reviewer Comment (2022-06-17): Client elects to waive |  |  | 06/17/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771009 | xxxxxx | 26015358 | xxxxxx | 06/17/2022 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-10-02): The TPOL was provided.<br>Reviewer Comment (2022-06-17): Client elects to waive | 10/02/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771009 | xxxxxx | 26015448 | xxxxxx | 06/17/2022 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure. |  |  | Reviewer Comment (2022-06-17): Client elects to waive |  |  | 06/17/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772242 | xxxxxx | 25955449 | xxxxxx | 06/20/2022 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Title policy amount is missing on provided Title preliminary report. | 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>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. | Reviewer Comment (2025-10-02): The TPOL was provided.<br>Reviewer Comment (2022-06-17): Client elects to waive | 10/02/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Second Home | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772242 | xxxxxx | 25966103 | xxxxxx | 06/20/2022 | 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 (2025-10-02): The TPOL was provided. | 10/02/2025 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Second Home | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772242 | xxxxxx | 26023513 | xxxxxx | 06/20/2022 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-06-21): Flags addressed | 06/21/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772289 | xxxxxx | 25983221 | xxxxxx | 06/21/2022 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary | Final title not provided. |  | Reviewer Comment (2025-10-03): The TPOL was provided | 10/03/2025 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 772289 | xxxxxx | 25983505 | xxxxxx | 06/21/2022 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  | Reviewer Comment (2022-06-23): Flood Cert received | 06/23/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 772289 | xxxxxx | 25986446 | xxxxxx | 06/21/2022 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-10-03): The TPOL was provided<br>Reviewer Comment (2022-06-20): Client elects to waive | 10/03/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 772289 | xxxxxx | 25986728 | xxxxxx | 06/21/2022 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Final, fully completed Hud-1 or Closing Statement is missing from the file. The file only includes an estimated closing statement, and a copy of Hud-1 that did not include closing date information or a cash to close final figure. |  | Reviewer Comment (2022-06-23): Received Final (stamped) Borrowers Settlement Statement | 06/23/2022 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 772264 | xxxxxx | 26029179 | xxxxxx | 06/24/2022 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Title Policy amount is missing in the provided Title Preliminary report | 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>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. | Reviewer Comment (2025-10-02): The TPOL was provided.<br>Reviewer Comment (2022-06-24): Client elects to waive | 10/02/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772264 | xxxxxx | 26034790 | xxxxxx | 06/24/2022 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary | Missing the Final Title Policy. |  | Reviewer Comment (2025-10-02): The TPOL was provided. | 10/02/2025 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772264 | xxxxxx | 26036276 | xxxxxx | 06/24/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Homeownership Counseling List was provided; however, it is not dated by the lender or signed by the borrower's. |  | Reviewer Comment (2022-06-24): Client elects to waive |  |  | 06/24/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771658 | xxxxxx | 26033904 | xxxxxx | 06/24/2022 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Preliminary Title does not show coverage amount. | 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'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. | Reviewer Comment (2025-10-02): The TPOL was provided.<br>Reviewer Comment (2022-06-24): Client elects to waive | 10/02/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | B A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771658 | xxxxxx | 26038722 | xxxxxx | 06/24/2022 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary | Missing the Final Title Policy. |  | Reviewer Comment (2025-10-02): The TPOL was provided. | 10/02/2025 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | B A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771983 | xxxxxx | 26081165 | xxxxxx | 06/24/2022 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 677 is less than Guideline representative FICO score of 680. | The guidelines for a First Time Home Buyer requires a minimum credit score of 680. The loan closed with a score of 677. The file contains an Investor exception. | 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.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-06-24): Waived with compensating factors per investor exception request. |  |  | 06/24/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771983 | xxxxxx | 26081207 | xxxxxx | 06/24/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | The file is missing evidence of the rate lock date. |  | Reviewer Comment (2022-06-24): Client elects to waive |  |  | 06/24/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771983 | xxxxxx | 26081208 | xxxxxx | 06/24/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 - xxxxxx Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of xxxxxx on Final Closing Disclosure provided on xxxxxx not accurate. (Final xxxxxx) | The Final Closing Disclosure, page 4, reflects the Escrowed property Costs Over Year 1 as xxxxxx; however, the escrow payment is $890.16 monthly or xxxxxx yearly. |  | Reviewer Comment (2022-06-28): SitusAMC received Letter of Explanation & Corrected Closing Disclosure. |  | 06/28/2022 |  | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 771983 | xxxxxx | 26081217 | xxxxxx | 06/24/2022 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  |  |  | Reviewer Comment (2022-06-30): Received updated HOI | 06/30/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771983 | xxxxxx | 26126427 | xxxxxx | 06/24/2022 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 44.49929% exceeds Guideline total debt ratio of 43.00000%. | Borrowers who cannot provide a full 12 month housing history are limited to 43% DTI. Documentation in file is for most recent 4 months; however, prior to that borrower was living rent free, which does not meet guidelines. Investor exception request in file. | 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.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-06-24): Waived with compensating factors per investor exception request. |  |  | 06/24/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771983 | xxxxxx | 26126468 | xxxxxx | 06/24/2022 | 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 43%. |  | Reviewer Comment (2022-06-24): Waived with compensating factors per investor exception request. | 06/24/2022 |  |  | 1 | B A C | B A | C | A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 771983 | xxxxxx | 26126469 | xxxxxx | 06/24/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Due to DTI exceeding 43%. |  | Reviewer Comment (2022-06-24): Waived with compensating factors per investor exception request. | 06/24/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771983 | xxxxxx | 26126470 | xxxxxx | 06/24/2022 | 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 44.49929% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Borrowers who cannot provide a full 12 month housing history are limited to 43% DTI. Documentation in file is for most recent 4 months; however, prior to that borrower was living rent free, which does not meet guidelines. Investor exception request in file. | 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.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-06-24): Waived with compensating factors per investor exception request. |  |  | 06/24/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771755 | xxxxxx | 26088993 | xxxxxx | 06/28/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Reviewer Comment (2022-06-27): Client elects to waive |  |  | 06/27/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771755 | xxxxxx | 26147921 | xxxxxx | 06/28/2022 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | Per the guidelines, if any other employment appears on credit report, an LOE from the borrower with start/termination date is required. The credit report provided reflects an additional employer and the LOE from the borrower is not in the loan file. |  | Reviewer Comment (2022-07-11): An LOE was provided. | 07/11/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772200 | xxxxxx | 26116321 | xxxxxx | 06/29/2022 | Credit | Guideline | Guideline Issue | Guideline | The minimum housing history was not met as required by guidelines for First Time Homebuyer. |  | The guidelines require 12-month rental history reflecting 0x30 late payments. The borrower is a FTHB living rent free therefore does not meet the housing history requirement for a FTHB. The file contains an Investor exception. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>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. | Reviewer Comment (2022-06-28): Waived with compensating factors per investor exception request report. |  |  | 06/28/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772200 | xxxxxx | 26116384 | xxxxxx | 06/29/2022 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The guidelines allow a condo project up to 20% ownership for a single entity. The project has 40% ownership from a single entity. The file contains an Investor exception. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>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. | Reviewer Comment (2022-06-28): Waived with compensating factors per investor exception request report. |  |  | 06/28/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772200 | xxxxxx | 26116407 | xxxxxx | 06/29/2022 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The guidelines require 90% of the total xxxxxx units in a project to be sold and conveyed to the unit owners for an established project. The subject is an established project with 40% (xxxxxx) units held for investment purposes. The file contains an Investor exception. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>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. | Reviewer Comment (2022-06-28): Waived with compensating factors per investor exception request report. |  |  | 06/28/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772200 | xxxxxx | 26116820 | xxxxxx | 06/29/2022 | 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. | The guidelines require a minimum credit score of 680 for a First Time Home Buyer. The borrower is a FTHB with a score of 668. The file contains an Investor exception. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>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. | Reviewer Comment (2022-06-28): Waived with compensating factors per investor exception request report. |  |  | 06/28/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772200 | xxxxxx | 26116925 | xxxxxx | 06/29/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | he file contains a copy of the Homeownership Counseling List; however, the document does not verify that the list date was updated with in the last 30 days. |  | Reviewer Comment (2022-06-28): Client elects to waive |  |  | 06/28/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772200 | xxxxxx | 26192360 | xxxxxx | 06/29/2022 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  | Reviewer Comment (2022-06-28): Client elects to waive |  |  | 06/28/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772315 | xxxxxx | 26150835 | xxxxxx | 07/01/2022 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification | Missing the Insurance Verification for the Property at xxxxxx. |  | Reviewer Comment (2022-07-14): Per investor, vacant land. No HOI. | 07/14/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772315 | xxxxxx | 26154405 | xxxxxx | 07/01/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file contains a copy of the Homeownership Counseling List; however, the document does not verify that the list was updated within the last 30 days. |  | Reviewer Comment (2022-07-01): Client elects to waive |  |  | 07/01/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772315 | xxxxxx | 26218638 | xxxxxx | 07/01/2022 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Interest Only not provided |  | The Note provided currently reflects a 30 year fixed; however, the payment reflected is as a 10 year xxxxxx xxxxxx addendum required or modified Note. |  | Reviewer Comment (2022-07-28): New Note fully executed and LOX provided<br>Reviewer Comment (2022-07-20): Revised Note must reflect Corrected at the top as well as LOE to borrower is required. | 07/28/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772271 | xxxxxx | 26104966 | xxxxxx | 06/29/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | The Borrower signed an acknowledgment of receipt of appraisal report but does not state if the Borrower received the appraisal within the 3 day timing requirements or waived the right to review the appraisal within the 3 days. Documentation has not been provided that the Borrower received the appraisal. |  | Reviewer Comment (2022-06-29): Client elects to waive |  |  | 06/29/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772271 | xxxxxx | 26104970 | xxxxxx | 06/29/2022 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | The Borrower signed an acknowledgment of receipt of appraisal report but does not state if the Borrower received the appraisal within the 3 day timing requirements or waived the right to review the appraisal within the 3 days. Documentation has not been provided that the Borrower received the appraisal. |  | Reviewer Comment (2022-07-11): Evidence of appraisal delivery was provided. | 07/11/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772271 | xxxxxx | 26105414 | xxxxxx | 06/29/2022 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.76580% or Final Disclosure APR of 8.75300% is in excess of allowable threshold of APOR 5.16% + 1.5%, or 6.66000%. Non-Compliant Higher Priced Mortgage Loan. | Compliant. |  | Reviewer Comment (2022-07-11): Evidence of appraisal delivery was provided. | 07/11/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772271 | xxxxxx | 26105423 | xxxxxx | 06/29/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Missing the Initial Escrow Account Statement. |  | Reviewer Comment (2022-06-29): Client elects to waive |  |  | 06/29/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772271 | xxxxxx | 26105435 | xxxxxx | 06/29/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Broker | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xxxxxx did not disclose the required Broker Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final xxxxxx) | The Contact for the Broker is blank on the Closing Disclosure. |  | Reviewer Comment (2022-07-12): SitusAMC received xxxxxx Final CD, missing broker contact information. | 07/12/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 772271 | xxxxxx | 26109220 | xxxxxx | 06/29/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 - xxxxxx Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of xxxxxx on Final Closing Disclosure provided on xxxxxx not accurate. (Final xxxxxx) | The Escrowed Property Costs over Year 1 on the Closing Disclosure are different from the Loan Summary due to the Closing Disclosure has the Property Taxes as xxxxxx monthly and 1.25% Property Taxes disclosed are xxxxxx. Also on the Closing Disclosure has an additional Insurance cost monthly of $166.00. |  | Reviewer Comment (2022-07-12): SitusAMC received xxxxxx Final CD | 07/12/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 772271 | xxxxxx | 26109234 | xxxxxx | 06/29/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxxxx disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/1972646) | The Escrowed Property Costs over Year 1 on the Closing Disclosure are different from the Loan Summary due to the Closing Disclosure has the Property Taxes as xxxxxx monthly and 1.25% Property Taxes disclosed are xxxxxx. Also on the Closing Disclosure has an additional Insurance cost monthly of $166.00. |  | Reviewer Comment (2022-07-12): SitusAMC received xxxxxx Final CD | 07/12/2022 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Corrected CD, and Proof of Delivery B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 772271 | xxxxxx | 26109237 | xxxxxx | 06/29/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. (Final xxxxxx) | The Escrowed Property Costs over Year 1 on the Closing Disclosure are different from the Loan Summary due to the Closing Disclosure has the Property Taxes as xxxxxx monthly and 1.25% Property Taxes disclosed are xxxxxx. Also on the Closing Disclosure has an additional Insurance cost monthly of $166.00. |  | Reviewer Comment (2022-07-12): SitusAMC received xxxxxx Final CD | 07/12/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 772271 | xxxxxx | 26110299 | xxxxxx | 06/29/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-9,442.80 is less than amount of binding Lender Credit previously disclosed in the amount of $-10,760.00. (9300) | The Lender Credit of -9,442.80 is less than the amount disclosed on the Loan Estimate of xxxxxx without a Valid Changed of Circumstance. |  | Reviewer Comment (2022-07-12): SitusAMC received xxxxxx Final CD and changed circumstance. | 07/12/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 772271 | xxxxxx | 26201689 | xxxxxx | 06/29/2022 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per LOE in file, borrower has been living rent free for the past 12 months is a FTHB. FTHB are not allowed to be living rent free, per the guidelines. | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-07-11): The client elects to waive with comp factors. |  |  | 07/11/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772271 | xxxxxx | 26258470 | xxxxxx | 07/11/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-07-11): The client elects to waive. |  |  | 07/11/2022 | 2 | B | B |  | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772271 | xxxxxx | 26259614 | xxxxxx | 07/12/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Broker | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xxxxxx did not disclose the required Broker Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final xxxxxx) | Final CD missing Broker contact info. |  | Reviewer Comment (2022-07-12): SitusAMC received Letter of Explanation & Corrected Closing Disclosure. |  | 07/12/2022 |  | 2 | B | B |  | B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 772271 | xxxxxx | 26259615 | xxxxxx | 07/12/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | SitusAMC received xxxxxx Final CD and xxxxxx Corrected CD. The total of fees in section D & prepaid Interest increased by $248.03 on PCCD dated xxxxxx. The TOP is independent of tolerance violations and does not take into account whether the borrower was allowed to shop for fees. SitusAMC's testing approach as a TPR assumes that fee changes reflected on a PCCD are corrections, rather than updates of fees that would result from changes that occurred after closing. That is, a lender incorrectly disclosed fees they were aware of (or should have been aware of) on the final CD and therefore issued a PCCD reflecting the actual fees that should have been disclosed on the final CD. Accordingly, SitusAMC will calculate the TOP based on corrected fees on the PCCD and cite exceptions if the TOP disclosed on the final CD (provided at or before consummation) is inaccurate based on the updated fees shown on PCCD. The reason for testing in this manner is that (1) 1026.17(b) (and related commentary) provides that disclosures must be made before consummation; (2) 1026.19(f)(1)(ii) and (f)(2)(ii) require the CD to be provided 3 business days before consummation; and (3) 1026.19(f)(2) and (ii) provide that the CD must be provided before or at consummation. One exception to this would be if the PCCD was issued only due to a change in interim interest (based on a change in disbursement date), such changes would not result in any exception for the PCCD. The cure for the TOP exception includes a Letter of Explanation, Copy of Refund check for under-disclosed amount, Proof of Delivery and Corrected CD. |  | Reviewer Comment (2022-07-19): SitusAMC received xxxxxx Corrected CD and LOE to borrower. Section D costs have been reduced to within tolerance. PCCD received within 60 days of consummation is final for fees | 07/19/2022 |  |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 772276 | xxxxxx | 26156794 | xxxxxx | 07/01/2022 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment | Final title not provided. |  | Reviewer Comment (2022-07-07): The final title was provided. | 07/07/2022 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 772276 | xxxxxx | 26212571 | xxxxxx | 07/01/2022 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - Condo not provided |  |  | 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. | Reviewer Comment (2022-07-10): Client elects to waive with verified compensation factors |  |  | 07/10/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 772276 | xxxxxx | 26212588 | xxxxxx | 07/01/2022 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The CPL, Title and HO6 policy do not reflect the Entity as insured. |  | Reviewer Comment (2022-07-07): Corrected CPL, Title, and HO6 Policy were provided. | 07/07/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 772276 | xxxxxx | 26212622 | xxxxxx | 07/01/2022 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Missing unit number |  | Reviewer Comment (2022-07-07): Updated Flood Cert was provided. | 07/07/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 772276 | xxxxxx | 26212624 | xxxxxx | 07/01/2022 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  | 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. | Reviewer Comment (2025-10-02): The TPOL was provided.<br>Reviewer Comment (2022-06-30): Client elects to waive | 10/02/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 772304 | xxxxxx | 26199917 | xxxxxx | 07/06/2022 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2022-07-12): The 1008 was provided. | 07/12/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B C A | B | B D A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 772304 | xxxxxx | 26200416 | xxxxxx | 07/06/2022 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or undisclosed debt monitoring report is required no more than 10 days prior to loan closing or anytime after closing. The gap report provided is dated xxxxxx , which is more than 10 days prior to loan closing. |  | Reviewer Comment (2022-07-14): Gap report provided | 07/14/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B C A | B | B D A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 772304 | xxxxxx | 26200573 | xxxxxx | 07/06/2022 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2022-07-12): The CDA was provided. | 07/12/2022 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D B C A | B | B D A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 772304 | xxxxxx | 26201023 | xxxxxx | 07/06/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | The file is missing evidence the borrower(s) received a copy of the appraisal report(s) at least 3 business days prior to loan consummation. |  | Reviewer Comment (2022-07-05): Client elects to waive |  |  | 07/05/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | D B C A | B | B D A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 772304 | xxxxxx | 26201024 | xxxxxx | 07/06/2022 | Compliance | Compliance | Federal Compliance | GSE | xxxxxx Points and Fees | xxxxxx Points and Fees on subject loan of 5.01184% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and xxxxxx (2022). xxxxxx Finance Charge total xxxxxx on a Original Loan Amount of xxxxxx vs. an allowable total of xxxxxx and xxxxxx (2022) (an overage of xxxxxx or .01184%). |  |  | Reviewer Comment (2022-07-05): Client elects to waive |  |  | 07/05/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D B C A | B | B D A | N/A | N/A | Yes | Mortgagor Focused |
| xxxxxx | 772304 | xxxxxx | 26201139 | xxxxxx | 07/06/2022 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 35.19335% exceeds Guideline total debt ratio of 43.00000%. | The debt ratio 127.09% was due to the investment properties full PITI was used during the audit. Documentation to verify the rental income was missing from the file causing DTI to exceed the maximum of 43%, for a borrower living rent free. |  | Reviewer Comment (2022-07-12): 2 years of tax returns were provided.<br>Reviewer Comment (2022-07-12): Exception Explanation Updated from: Calculated investor qualifying total debt ratio of 123.66666% exceeds Guideline total debt ratio of 43.00000%. | 07/12/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B C A | B | B D A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 772304 | xxxxxx | 26229669 | xxxxxx | 07/06/2022 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Non-borrowing spouse is listed on xxxxxx account xxxxxx; however, the access letter provided does not cover this account. Please provide 100% access letter. |  | Reviewer Comment (2022-07-15): An access letter was provided.<br>Reviewer Comment (2022-07-14): access letter not provided. Please re provide<br>Reviewer Comment (2022-07-12): Over 2/3rds of the total assets are from the xxxxxx account. This account is listed on the Final URLA as well. | 07/15/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B C A | B | B D A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 772304 | xxxxxx | 26229856 | xxxxxx | 07/06/2022 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, Address: xxxxxx, Address: xxxxxx Lease Agreement<br> Lease Agreement<br> Lease Agreement | Per final 1003, rental income was utilized for the borrower's additional REOs on xxxxxx; however, the lease agreements and full 1040s with Schedule E attached were not provided. |  | Reviewer Comment (2022-07-12): Received full 1040s. Leases not needed per guidelines.<br>Reviewer Comment (2022-07-12): Only missing current leases for all xxxxxx REO properties. | 07/12/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B C A | B | B D A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 772304 | xxxxxx | 26229874 | xxxxxx | 07/06/2022 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-07-14): A fraud report with the red flags addressed was provided. | 07/14/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B C A | B | B D A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 772304 | xxxxxx | 26262662 | xxxxxx | 07/12/2022 | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal |  | The effective date on the appraisal is xxxxxx ; whereas, the CDA has the effective date as xxxxxx . |  | Reviewer Comment (2022-07-22): Provided updated CDA matching effective date of appraisal<br>Reviewer Comment (2022-07-14): CDA effective date is xxxxxx , which does not match appraisal effective date of xxxxxx . Please provide a corrected CDA with an effective date that matches the appraisal. | 07/22/2022 |  |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Investment | Purchase | D B C A | B | B D A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 770874 | xxxxxx | 26195719 | xxxxxx | 07/06/2022 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Title Policy amount is missing in the provided Title Preliminary report |  | Reviewer Comment (2022-07-08): The Final Title Policy was provided.<br>Reviewer Comment (2022-07-06): Client elects to waive | 07/08/2022 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | D B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 770874 | xxxxxx | 26212133 | xxxxxx | 07/06/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-07-06): Client elects to waive |  |  | 07/06/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | D B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 770874 | xxxxxx | 26212134 | xxxxxx | 07/06/2022 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.85730% or Final Disclosure APR of 6.90200% is in excess of allowable threshold of APOR 5.17% + 1.5%, or 6.67000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2022-07-15): Delivery provided | 07/15/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 770874 | xxxxxx | 26212135 | xxxxxx | 07/06/2022 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2022-07-15): Delivery provided | 07/15/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 770874 | xxxxxx | 26212136 | xxxxxx | 07/06/2022 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) | Missing undiscounted rate price. HOEPA Points and fees exceed threshold. Lender excluded $5600 discount points. |  | Reviewer Comment (2022-08-04): Undiscounted rate and price were provided. Condition no longer applies.<br>Reviewer Comment (2022-07-26): Escalated Review: Based on the information in file, the discount points did not meet the 0.192 threshold (deal setting) to be considered bona fide for exclusion:<br> • Undiscounted Starting Rate = 7% <br> • Note Rate = 6.5% <br> • The Undiscounted Stating Rate Price is 0% and the new rate resulted in a cost of 3.0 <br> • Undiscounted Rate of 7% minus Note Rate of 6.5 = 0.5% rate reduction. <br> • 0.5% / 3.0% = 0.166667% (does not meet standard ratio of 0.192 to be considered bona fide). | 08/04/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 770874 | xxxxxx | 26212137 | xxxxxx | 07/06/2022 | 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 | Missing undiscounted rate price. HOEPA Points and fees exceed threshold. Lender excluded $5600 discount points. |  | Reviewer Comment (2022-08-04): Undiscounted rate and price were provided. Condition no longer applies.<br>Reviewer Comment (2022-07-26): Escalated Review: Based on the information in file, the discount points did not meet the 0.192 threshold (deal setting) to be considered bona fide for exclusion:<br> • Undiscounted Starting Rate = 7% <br> • Note Rate = 6.5% <br> • The Undiscounted Stating Rate Price is 0% and the new rate resulted in a cost of 3.0 <br> • Undiscounted Rate of 7% minus Note Rate of 6.5 = 0.5% rate reduction. <br> • 0.5% / 3.0% = 0.166667% (does not meet standard ratio of 0.192 to be considered bona fide).<br>Reviewer Comment (2022-07-08): HOEPA calculations include any fees or compensation from the Lender on the loan, Discount Points of $16,800 + UW Fee of $1,250, and a Yield Spread of $11,200 = $29,250. The maximum threshold for this loan is $26,881.28. | 08/04/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 770874 | xxxxxx | 26212138 | xxxxxx | 07/06/2022 | 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. | Missing undiscounted rate price. HOEPA Points and fees exceed threshold. Lender excluded $5600 discount points. |  | Reviewer Comment (2022-08-04): Undiscounted rate and price were provided. Condition no longer applies.<br>Reviewer Comment (2022-07-26): Escalated Review: Based on the information in file, the discount points did not meet the 0.192 threshold (deal setting) to be considered bona fide for exclusion:<br> • Undiscounted Starting Rate = 7% <br> • Note Rate = 6.5% <br> • The Undiscounted Stating Rate Price is 0% and the new rate resulted in a cost of 3.0 <br> • Undiscounted Rate of 7% minus Note Rate of 6.5 = 0.5% rate reduction. <br> • 0.5% / 3.0% = 0.166667% (does not meet standard ratio of 0.192 to be considered bona fide). | 08/04/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 770874 | xxxxxx | 26212139 | xxxxxx | 07/06/2022 | 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 5.44059% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an allowable total of xxxxxx (an overage of xxxxxx or .44059%). Non-Compliant High Cost Loan. | Missing undiscounted rate price. HOEPA Points and fees exceed threshold. Lender excluded $5600 discount points. |  | Reviewer Comment (2022-08-04): Undiscounted rate and price were provided. Condition no longer applies.<br>Reviewer Comment (2022-07-26): Escalated Review: Based on the information in file, the discount points did not meet the 0.192 threshold (deal setting) to be considered bona fide for exclusion:<br> • Undiscounted Starting Rate = 7% <br> • Note Rate = 6.5% <br> • The Undiscounted Stating Rate Price is 0% and the new rate resulted in a cost of 3.0 <br> • Undiscounted Rate of 7% minus Note Rate of 6.5 = 0.5% rate reduction. <br> • 0.5% / 3.0% = 0.166667% (does not meet standard ratio of 0.192 to be considered bona fide). | 08/04/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | (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. D B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 770874 | xxxxxx | 26212140 | xxxxxx | 07/06/2022 | 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. | Missing undiscounted rate price. HOEPA Points and fees exceed threshold. Lender excluded $5600 discount points. |  | Reviewer Comment (2022-08-04): Undiscounted rate and price were provided. Condition no longer applies.<br>Reviewer Comment (2022-07-26): Escalated Review: Based on the information in file, the discount points did not meet the 0.192 threshold (deal setting) to be considered bona fide for exclusion:<br> • Undiscounted Starting Rate = 7% <br> • Note Rate = 6.5% <br> • The Undiscounted Stating Rate Price is 0% and the new rate resulted in a cost of 3.0 <br> • Undiscounted Rate of 7% minus Note Rate of 6.5 = 0.5% rate reduction. <br> • 0.5% / 3.0% = 0.166667% (does not meet standard ratio of 0.192 to be considered bona fide). | 08/04/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 770874 | xxxxxx | 26212141 | xxxxxx | 07/06/2022 | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 5.44059% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 2.44059%). |  |  | Reviewer Comment (2022-07-06): Client elects to waive |  |  | 07/06/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 770874 | xxxxxx | 26212191 | xxxxxx | 07/06/2022 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $267,124.07 is less than Cash From Borrower $274,136.67. |  |  | Reviewer Comment (2022-07-11): Received final settlement statement from settlement agent, which matches PCCD. Condition cleared.<br>Reviewer Comment (2022-07-07): Please provide the final signed and/or stamped Settlement Statement. The one provided is not signed and/or stamped final. | 07/11/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 770874 | xxxxxx | 26212193 | xxxxxx | 07/06/2022 | 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 (2022-07-08): The Final Title Policy was provided. | 07/08/2022 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | D B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 770874 | xxxxxx | 26237258 | xxxxxx | 07/06/2022 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Missing intraspousal deed transfer. Property was deeded to borrower, married as sole and separate property; however, the intraspousal deed was not provided. |  | Reviewer Comment (2022-07-08): The Final Title Policy was provided. | 07/08/2022 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Primary | Purchase | D B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 770874 | xxxxxx | 26237357 | xxxxxx | 07/06/2022 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Letter | The CPA letter is required to be signed and dated by the CPA/tax preparer. CPA letter is signed; however, it is not dated. |  | Reviewer Comment (2022-07-07): A dated CPA letter was provided. | 07/07/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 770874 | xxxxxx | 26237360 | xxxxxx | 07/06/2022 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-07-08): An LOE from the UW stating all red flags were addressed was provided. | 07/08/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 770874 | xxxxxx | 26237370 | xxxxxx | 07/06/2022 | Compliance | Compliance | Federal Compliance | TILA | TILA NMLSR - Individual Originator License Status Not Approved | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not in approved license status to conduct loan origination activities. | Per the NMLS website, individual loan originator was not in approved license status from xxxxxx through xxxxxx . Subject loan application date was xxxxxx . |  | Reviewer Comment (2022-07-22): client elects to waive<br>Reviewer Comment (2022-07-22): Regraded to xxxxxx based on lender attestation that individual loan originator did not perform any loan origination activities during the time period their license was under review and not yet approved, from xxxxxx to xxxxxx <br>Reviewer Comment (2022-07-21): Exception remains open. The attestation does not clear this condition. The LO must be licensed from time of application through the loan closing, with no gaps. The NMLS licensing website shows a gap from xxxxxx through xxxxxx . The application was taken by the LO on xxxxxx and loan closed xxxxxx .<br>Reviewer Comment (2022-07-20): The attestation does not clear this condition. The LO must be licensed from time of application through the loan closing, with no gaps. The NMLS licensing website shows a gap from xxxxxx through xxxxxx . The application was taken by the LO on xxxxxx and loan closed xxxxxx .<br>Reviewer Comment (2022-07-07): .So even though licensing was picked up again, there is still the gap from xxxxxx through xxxxxx where the loan originator did not have a valid license and would be in a period where they are "unauthorized to conduct business". The SAFE Act prohibits organizations and individuals from engaging in the business of a residential mortgage loan originator without first obtaining and maintaining annually a state license and registration as a state-licensed mortgage loan originator, and a unique identifier.<br> Appendix A to the SAFE Act provides examples of "mortgage loan origination activity," which includes (1) taking a loan application, (2) offering or negotiating terms, and (3) offering or negotiating a loan for compensation or gain.<br> As a TPR, SitusAMC does not have the insight regarding the loan originator's level of involvement on the loan and at what point in time these activities would have taken place. As a result, the exception is therefore conservatively cited as an xxxxxx. If the lender can provide an attestation that the loan originator did not engage in any of these MLO activities during the 10 days, they were not licensed during the loan origination, from xxxxxx to xxxxxx the exception can be downgraded to xxxxxx accordingly. |  |  | 07/22/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | D B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 770874 | xxxxxx | 26237371 | xxxxxx | 07/06/2022 | Compliance | Compliance | Federal Compliance | TILA | TILA NMLSR - Originator Company License Status Not Approved | Truth in Lending Act (NMLSR Dodd- Frank 2014): Loan Originator Organization not in approved license status to conduct loan origination activities. | Per the NMLS website, Loan Originator Organization was not in approved license status from xxxxxx through xxxxxx . Subject loan application date was xxxxxx . |  | Reviewer Comment (2022-07-22): Client elects to waive<br>Reviewer Comment (2022-07-22): Regraded to xxxxxx based on lender attestation that loan originator did not perform any loan origination activities during the time period their license was under review and not yet approved, from xxxxxx to xxxxxx |  |  | 07/22/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | D B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 770874 | xxxxxx | 26237372 | xxxxxx | 07/06/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List was provided; however, list date was not provided. |  | Reviewer Comment (2022-07-06): Client elects to waive |  |  | 07/06/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | D B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772265 | xxxxxx | 26211870 | xxxxxx | 07/07/2022 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Preliminary Report does not show coverage amount. Final TPOL is missing from loan file. | Borrower has verified disposable income of at least $2500.00.<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. | Reviewer Comment (2025-10-02): The TPOL was provided.<br>Reviewer Comment (2022-07-07): Client elects to waive | 10/02/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772265 | xxxxxx | 26215343 | xxxxxx | 07/07/2022 | 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 (2025-10-02): The TPOL was provided | 10/02/2025 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772265 | xxxxxx | 26215557 | xxxxxx | 07/07/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - xxxxxx Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of xxxxxx on Final Closing Disclosure provided on xxxxxx not accurate. (Final xxxxxx) | The Closing Disclosure reflects Homeowner's Premium of xxxxxx, whereas, the Hazard Policy reflects a total Premium of xxxxxx. |  | Reviewer Comment (2022-07-07): Client elects to waive |  |  | 07/07/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | B | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 772265 | xxxxxx | 26244083 | xxxxxx | 07/07/2022 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-07-08): LOE from the UW addressing the red flags was provided. | 07/08/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 770905 | xxxxxx | 26276266 | xxxxxx | 07/13/2022 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | ARM term is 7.17/6 months ARM. This is not an allowed product per the investor guidelines. | 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.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2022-07-18): Client elects to waive with verified compensation factors |  |  | 07/18/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 770905 | xxxxxx | 26276401 | xxxxxx | 07/13/2022 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Address does not match the Note. |  | Reviewer Comment (2022-07-19): An updated flood cert was provided. | 07/19/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 770905 | xxxxxx | 26276403 | xxxxxx | 07/13/2022 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: BPO / Valuation Report date: xxxxxx | BPO address does not match the Note. |  | Reviewer Comment (2022-07-18): Updated BPO provided | 07/18/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 770905 | xxxxxx | 26276406 | xxxxxx | 07/13/2022 | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | First Time Investors not allowed on Multi-Family properties. | 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.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2022-07-12): Client elects to waive with verified compensation factors |  |  | 07/12/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 772327 | xxxxxx | 26246918 | xxxxxx | 07/14/2022 | Credit | Employment | Miscellaneous | Employment | The verification of employment was not obtained within 10 days of the note date. | Borrower: xxxxxx // Employment Type: Employment / Income Type: Wages / Start date: xxxxxx | File is missing VVOE for borrower's wage income. |  | Reviewer Comment (2022-07-19): VVOE received<br>Reviewer Comment (2022-07-18): VVOE provided is only signed. No data was provided on the document (came over blank). | 07/19/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | C | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 772327 | xxxxxx | 26246924 | xxxxxx | 07/14/2022 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx VVOE - Employment Only |  |  | Reviewer Comment (2022-07-19): VVOE received<br>Reviewer Comment (2022-07-18): VVOE provided is only signed. No data was provided on the document (came over blank). | 07/19/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | C | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 772327 | xxxxxx | 26247242 | xxxxxx | 07/14/2022 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or undisclosed debt monitoring report is required no more than 10 days prior to loan closing or anytime after closing. |  | Reviewer Comment (2022-07-18): Gap provided | 07/18/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | C | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 772327 | xxxxxx | 26287511 | xxxxxx | 07/14/2022 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Per guidelines, borrowers who rent from private individuals or non-institutional lenders require 6 months canceled checks. Loan file contains a letter from a private, non-institutional lender, along with rent receipts for 4 months; however, 6 months canceled checks are required. | 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 qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-07-18): Client elects to waive with verified compensation factors |  |  | 07/18/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | C | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 772327 | xxxxxx | 26287672 | xxxxxx | 07/14/2022 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Questionable Occupancy: Valuation occupancy differs from occupancy on loan approval. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Loan was submitted as an investment property refinance; however, appraisal reflects subject is owner occupied. |  | Reviewer Comment (2022-07-18): Updated appraisal provided | 07/18/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | C | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 772327 | xxxxxx | 26287676 | xxxxxx | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - High Cost 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 Investment). If tested as primary residence, loan exceeds one or more high cost thresholds. | The initial 1003 indicates the subject property has been the borrower's primary residence for 5 months and that the borrower intends to occupy the subject property as their primary residence. Also, the most recent paystubs provided reflect the borrower's address as the subject property address, as do the business bank statements provided in file. Further, the appraisal provided indicates this property is currently owner occupied. |  | Reviewer Comment (2022-07-21): A UW Cert reflects the file was submitted incorrectly as a primary residence and other documentation provided does reflect the subject to be a true investment property. | 07/21/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | C | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 772261 | xxxxxx | 26253441 | xxxxxx | 07/15/2022 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Missing 12 Months Verification of Rent. |  | Reviewer Comment (2022-07-26): Provided. | 07/26/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772261 | xxxxxx | 26253552 | xxxxxx | 07/15/2022 | 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 (2025-10-02): The TPOL was provided. | 10/02/2025 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772261 | xxxxxx | 26253566 | xxxxxx | 07/15/2022 | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a xxxxxx Citizen, and the guideline required documentation was not provided. | Borrower: xxxxxx | Borrower is a non-permanent resident and Visa is required and missing. |  | Reviewer Comment (2022-07-20): Visa provided. | 07/20/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772261 | xxxxxx | 26253576 | xxxxxx | 07/15/2022 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-xxxxxx Citizen Status not provided |  | Borrower is a non-permanent resident and Visa is required and missing. |  | Reviewer Comment (2022-07-20): Visa provided. | 07/20/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772261 | xxxxxx | 26292220 | xxxxxx | 07/15/2022 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-07-20): Provided | 07/20/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772261 | xxxxxx | 26292223 | xxxxxx | 07/15/2022 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-10-02): The TPOL was provided.<br>Reviewer Comment (2022-07-15): Client elects to waive | 10/02/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772261 | xxxxxx | 26292224 | xxxxxx | 07/15/2022 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-07-22): Clearance report provided | 07/22/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772261 | xxxxxx | 26292236 | xxxxxx | 07/15/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List was provided; however, it is not dated to determine if it was obtained within 30 days of application date. |  | Reviewer Comment (2022-07-15): Client elects to waive |  |  | 07/15/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772244 | xxxxxx | 26281385 | xxxxxx | 07/19/2022 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-07-21): Cleared | 07/21/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 772244 | xxxxxx | 26281415 | xxxxxx | 07/19/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-07-19): Client elects to waive |  |  | 07/19/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 772244 | xxxxxx | 26281418 | xxxxxx | 07/19/2022 | Compliance | Compliance | Federal Compliance | GSE | xxxxxx Points and Fees | xxxxxx Points and Fees on subject loan of 5.01385% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and xxxxxx (2022). xxxxxx Finance Charge total xxxxxx on a Original Loan Amount of xxxxxx vs. an allowable total of xxxxxx and xxxxxx (2022) (an overage of xxxxxx or .01385%). |  |  | Reviewer Comment (2022-07-19): Client elects to waive |  |  | 07/19/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | B | B A | N/A | N/A | Yes | Mortgagor Focused |
| xxxxxx | 772244 | xxxxxx | 26303412 | xxxxxx | 07/19/2022 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Per the guidelines for self-employed borrowers, the tax returns must be signed and dated. Please provide signed and dated tax returns as follows: 2019 and 2020 1040s, signed and dated 1065s for all three businesses used to qualify. |  | Reviewer Comment (2022-08-01): Signed and dated tax returns were provided.<br>Reviewer Comment (2022-07-27): We have only the 2019 signed copy of the 1065 for xxxxxx. Please provide 2020<br>Reviewer Comment (2022-07-21): Need 2020 signature page for xxxxxx | 08/01/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 772244 | xxxxxx | 26309652 | xxxxxx | 07/19/2022 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx P&L Statement | Missing YTD P&L statement for business started xxxxxx . |  | Reviewer Comment (2022-07-27): YTD 2022 provided<br>Reviewer Comment (2022-07-21): Needs to be for the year 2022. | 07/27/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 772244 | xxxxxx | 26309655 | xxxxxx | 07/19/2022 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure. | Disclosure in file is not signed or dated by borrower. |  | Reviewer Comment (2022-07-19): Client elects to waive |  |  | 07/19/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 773661 | xxxxxx | 26287276 | xxxxxx | 07/20/2022 | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | Credit Report: Original // Borrower: xxxxxx |  | 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. | Reviewer Comment (2022-07-22): Waived with valid system comp factors. |  |  | 07/22/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773661 | xxxxxx | 26287283 | xxxxxx | 07/20/2022 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-07-22): Undisclosed Debt Monitoring Report provided after note date. | 07/22/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773661 | xxxxxx | 26287485 | xxxxxx | 07/20/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  | Reviewer Comment (2022-07-20): Client elects to waive |  |  | 07/20/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773661 | xxxxxx | 26287487 | xxxxxx | 07/20/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan allows for Partial Payments. (Final xxxxxx) | Partial payment section on page 4 of final CD is not completed. |  | Reviewer Comment (2022-07-27): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2022-07-22): SitusAMC received xxxxxx Corrected CD. Missing LOE to borrower which accompanies to finalize cure. |  | 07/27/2022 |  | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773661 | xxxxxx | 26287488 | xxxxxx | 07/20/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial xxxxxx) | Application date is xxxxxx ; LE in file is dated xxxxxx , which is not within 3 business days. |  | Reviewer Comment (2022-07-26): SitusAMC received e-consent dated xxxxxx hence no further action required<br>Reviewer Comment (2022-07-22): SitusAMC received initial LE dated xxxxxx which is electronically signed by borrower on xxxxxx however, E consent Agreement is missing. Please provide earliest e-consent signed by borrower. | 07/26/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773661 | xxxxxx | 26287493 | xxxxxx | 07/20/2022 | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. |  | Reviewer Comment (2022-07-20): Client elects to waive |  |  | 07/20/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773661 | xxxxxx | 26320763 | xxxxxx | 07/22/2022 | Compliance | Compliance | Federal Compliance | TRID | TRID Tolerance Fee Rounding | Unable to determine whether a cure was provided due to missing information. |  |  | Reviewer Comment (2022-07-26): SitusAMC upon further review no further action required | 07/26/2022 |  |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773650 | xxxxxx | 26294623 | xxxxxx | 07/21/2022 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Lender on Appraisal differs from Note, yet there is no appraisal transfer letter and an approval from the receiving lender in the loan file. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>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 representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-07-21): Client elects to waive |  |  | 07/21/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773650 | xxxxxx | 26295051 | xxxxxx | 07/21/2022 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Zip code on HOI is xxxxxx; however, zip code on Note is xxxxxx. Provide corrected insurance policy document reflecting a correct address. |  | Reviewer Comment (2022-07-25): Corrected policy provided | 07/25/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773650 | xxxxxx | 26295101 | xxxxxx | 07/21/2022 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | As stated on the Appraisal, the subject property was listed for sale on xxxxxx which is within twelve months prior to the transaction. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>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 representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-08-04): Comp factors sued to waive exception |  |  | 08/04/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773650 | xxxxxx | 26295149 | xxxxxx | 07/21/2022 | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.56959% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .56959%). |  |  | Reviewer Comment (2022-07-21): Client elects to waive |  |  | 07/21/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B | C | B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773650 | xxxxxx | 26295579 | xxxxxx | 07/21/2022 | 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. | Guidelines for the P&L only program require CPA to attest they have prepared the most recent tax returns, along with evidence they have prepared/compiled the P&Ls in the file. CPA letter states they have reviewed the tax returns, not prepared them, and the YTD P&L for the borrowers do not indicate they were prepared by the CPA. |  | Reviewer Comment (2022-08-15): Received corrected CPA letter and P&L signed/dated by CPA.<br>Reviewer Comment (2022-08-12): Received same YTD P&L as in original file. The YTD P&L is not signed/dated by the CPA as required by the guidelines; therefore, it cannot be determined that it was prepared by the CPA, as required by the guidelines.<br>Reviewer Comment (2022-08-11): CPA signed P&Ls and/or attest that they prepared the document was not found.<br>Reviewer Comment (2022-08-03): The executed CPA letter was received that verifies CPA has prepared the federal tax returns for the past 2 years, however the document is dated post closing. Further, the CPA did not execute the YTD P&L nor attest that they prepared the document.<br>Reviewer Comment (2022-08-01): CPA letters provided are not signed by the CPA<br>Reviewer Comment (2022-07-29): Received same documents as in original loan file. The CPA letter must attest that they have prepared the most recent tax return, and the YTD P&L must be prepared and signed by the CPA. | 08/15/2022 |  |  | 1 | B A C | B A | C | A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | C | B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773650 | xxxxxx | 26295580 | xxxxxx | 07/21/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Schedule C | Ability to Repay (Dodd-Frank 2014): Unable to verify Sole Proprietorship income using reasonably reliable third-party records. (xxxxxx/Schedule C) | Guidelines for the P&L only program require CPA to attest they have prepared the most recent tax returns, along with evidence they have prepared/compiled the P&Ls in the file. CPA letter states they have reviewed the tax returns, not prepared them, and the YTD P&L for the borrowers do not indicate they were prepared by the CPA. |  | Reviewer Comment (2022-08-15): Received corrected CPA letter and P&L signed/dated by CPA.<br>Reviewer Comment (2022-08-12): Received same YTD P&L as in original file. The YTD P&L is not signed/dated by the CPA as required by the guidelines; therefore, it cannot be determined that it was prepared by the CPA, as required by the guidelines.<br>Reviewer Comment (2022-08-11): CPA signed P&Ls and/or attest that they prepared the document was not found.<br>Reviewer Comment (2022-08-03): The executed CPA letter was received that verifies CPA has prepared the federal tax returns for the past 2 years, however the document is dated post closing. Further, the CPA did not execute the YTD P&L nor attest that they prepared the document.<br>Reviewer Comment (2022-08-01): CPA letters provided are not signed by the CPA | 08/15/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773650 | xxxxxx | 26295581 | xxxxxx | 07/21/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Schedule C | Ability to Repay (Dodd-Frank 2014): Unable to verify Sole Proprietorship income using reasonably reliable third-party records. (xxxxxx/Schedule C) | Guidelines for the P&L only program require CPA to attest they have prepared the most recent tax returns, along with evidence they have prepared/compiled the P&Ls in the file. CPA letter states they have reviewed the tax returns, not prepared them, and the YTD P&L for the borrowers do not indicate they were prepared by the CPA. |  | Reviewer Comment (2022-08-15): Received corrected CPA letter and P&L signed/dated by CPA.<br>Reviewer Comment (2022-08-12): Received same YTD P&L as in original file. The YTD P&L is not signed/dated by the CPA as required by the guidelines; therefore, it cannot be determined that it was prepared by the CPA, as required by the guidelines.<br>Reviewer Comment (2022-08-11): CPA signed P&Ls and/or attest that they prepared the document was not found.<br>Reviewer Comment (2022-08-03): The executed CPA letter was received that verifies CPA has prepared the federal tax returns for the past 2 years, however the document is dated post closing. Further, the CPA did not execute the YTD P&L nor attest that they prepared the document.<br>Reviewer Comment (2022-08-01): CPA letters provided are not signed by the CPA | 08/15/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773650 | xxxxxx | 26295582 | xxxxxx | 07/21/2022 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Guidelines for the P&L only program require CPA to attest they have prepared the most recent tax returns, along with evidence they have prepared/compiled the P&Ls in the file. CPA letter states they have reviewed the tax returns, not prepared them, and the YTD P&L for the borrowers do not indicate they were prepared by the CPA. |  | Reviewer Comment (2022-08-15): Received corrected CPA letter and P&L signed/dated by CPA. | 08/15/2022 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773650 | xxxxxx | 26320226 | xxxxxx | 07/21/2022 | 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 $4,780.00 exceeds tolerance of $4,760.00. Insufficient or no cure was provided to the borrower. (7200) | Zero percent fee tolerance exceeded. CoC form indicates loan amount change; however, loan amount decreased, so this fee increasing would not be a valid change. |  | Reviewer Comment (2022-08-01): SitusAMC upon further review received valid COC hence no further action required<br>Reviewer Comment (2022-08-01): SitusAMC No New Document received for increased fee. Please provide corrected COC with reflects Loan amount Old value as xxxxxx instead of xxxxxx and New value xxxxxx per CD to reevaluate this exception. Exception remains.<br>Reviewer Comment (2022-07-29): SitusAMC received COC dated xxxxxx with a valid reason however incorrect loan amount is stated "Old Value - xxxxxx" . Please provide COC with corrected old Loan amount to xxxxxx as per CD.<br>Reviewer Comment (2022-07-25): SitusAMC Received copy of COC that was already present on file. The change date on COC is mentioned as xxxxxx , whereas the DIscount point has changed on CD dated xxxxxx . Please provide a Valid COC within 3 days prior to CD dated xxxxxx or provide cure. | 08/01/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773648 | xxxxxx | 26303995 | xxxxxx | 07/22/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | Appraisal was emailed to the Borrower on xxxxxx , however, there is no confirmation of receipt from the Borrower so the 3 day mail rule was used for testing. Calculated receipt date is xxxxxx . Loan closed on xxxxxx . |  | Reviewer Comment (2022-07-22): Client elects to waive |  |  | 07/22/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 773648 | xxxxxx | 26304017 | xxxxxx | 07/22/2022 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, xxxxxx, xxxxxx, Address: xxxxxx, Address: xxxxxx, xxxxxx, xxxxxx, Address: xxxxxx, xxxxxx, xxxxxx Lease Agreement<br> Insurance Verification, Statement, Tax Verification<br> Insurance Verification, Statement, Tax Verification<br> Insurance Verification, Statement, Tax Verification | Missing Principle & Interest, Tax and Insurance verification for REO located on xxxxxx. |  | Reviewer Comment (2022-08-05): Lease not needed as rental income as been removed<br>Reviewer Comment (2022-08-04): Last missing item is the lease for the subject property.<br>Reviewer Comment (2022-08-02): please provide documents for xxxxxx. | 08/05/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 773648 | xxxxxx | 26304070 | xxxxxx | 07/22/2022 | Compliance | Compliance | Federal Compliance | GSE | xxxxxx Points and Fees | xxxxxx Points and Fees on subject loan of 7.61200% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and xxxxxx (2022). xxxxxx Finance Charge total xxxxxx on a Original Loan Amount of xxxxxx vs. an allowable total of xxxxxx and xxxxxx (2022) (an overage of xxxxxx or 2.61200%). |  |  | Reviewer Comment (2022-07-22): Client elects to waive |  |  | 07/22/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | B | B A | N/A | N/A | Yes | Mortgagor Focused |
| xxxxxx | 773679 | xxxxxx | 26303552 | xxxxxx | 07/25/2022 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Title policy amount is missing on the provided Title Preliminary Report. |  | Reviewer Comment (2022-08-02): FTP provided | 08/02/2022 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773679 | xxxxxx | 26306163 | xxxxxx | 07/25/2022 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 85.00000% exceeds Guideline loan to value percentage of 70.00000%. | The calculated LTV of 85.00% exceeds guideline allowable maximum of 70.000% | 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>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-07-27): Client elects to waive with verified compensation factors |  |  | 07/27/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773679 | xxxxxx | 26308303 | xxxxxx | 07/25/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | An acknowledgement of receipt of appraisal or appraisal notice was not provided to the borrower three days prior to consummation. The document provided in the loan does not reflect a tangible selection for either an appraisal was received three days prior to consummation nor waived. |  | Reviewer Comment (2022-07-23): Client elects to waive |  |  | 07/23/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773679 | xxxxxx | 26308304 | xxxxxx | 07/25/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - xxxxxx Testing | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of xxxxxx on Final Closing Disclosure provided on xxxxxx not accurate. (Final xxxxxx) | Estimated property cost over year one for no escrow, reflect a monthly payment of xxxxxx and xxxxxx for over a year cost. |  | Reviewer Comment (2022-07-23): Client elects to waive |  |  | 07/23/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | B | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773679 | xxxxxx | 26308372 | xxxxxx | 07/25/2022 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary | Missing Title Final. |  | Reviewer Comment (2022-08-02): FTP provided | 08/02/2022 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773679 | xxxxxx | 26308434 | xxxxxx | 07/25/2022 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Missing Hazard Insurance policy. |  | Reviewer Comment (2022-08-11): Master Policy with walls in and betterments coverage was provided<br>Reviewer Comment (2022-08-02): The policy provided is mostly blank. Only reflects additional name insured, business income, ordinance coverage and mortgagee. | 08/11/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773679 | xxxxxx | 26308439 | xxxxxx | 07/25/2022 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance premium is missing from evidence of insurance. |  | The Hazard Insurance policy is not provided in the loan file. Document is required and needs to be provided. |  | Reviewer Comment (2022-08-11): Master Policy with walls in and betterments coverage was provided<br>Reviewer Comment (2022-08-02): The policy provided is mostly blank. Only reflects additional name insured, business income, ordinance coverage and mortgagee. | 08/11/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773679 | xxxxxx | 26308476 | xxxxxx | 07/25/2022 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx | There are red flags reflecting on the fraud report that are yet to be addressed. |  | Reviewer Comment (2022-08-08): A cleared status fraud report was provided.<br>Reviewer Comment (2022-08-02): Document provided only addresses 1 high risk red flag. Provide the clearance report for high risk alerts. | 08/08/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773679 | xxxxxx | 26328404 | xxxxxx | 07/25/2022 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per guidelines, gift funds must come from a donor who is either related to the borrower by blood, marriage, adoption or legal guardianship; or can document an established relationship with the borrower (domestic partner or spouse). Per the gift letter provided, the gift funds were received from the borrower's business partner, which does not meet the guideline requirements for a donor. | 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>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-08-02): Client elects to waive with verified compensation factors |  |  | 08/02/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773679 | xxxxxx | 26328405 | xxxxxx | 07/25/2022 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 6.85 is less than Guideline PITIA months reserves of 12.00. | Reserve requirement for LTVs greater than 70% is 12 months. Borrower does not meet this requirement. | 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>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-07-27): Client elects to waive with verified compensation factors |  |  | 07/27/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773679 | xxxxxx | 26328406 | xxxxxx | 07/25/2022 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided |  | Credit report reflects child support obligation. Please provide child support order and/or divorce decree. |  | Reviewer Comment (2022-08-08): The divorce decree and LOE was provided.<br>Reviewer Comment (2022-08-02): The document provided does not reflect any child support information nor was divorce decree attached. The credit report shows our borrower and an obligator with a past due amount. | 08/08/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773677 | xxxxxx | 26310163 | xxxxxx | 07/26/2022 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary | Missing Title Final. |  | Reviewer Comment (2022-07-28): Received final title | 07/28/2022 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773677 | xxxxxx | 26310544 | xxxxxx | 07/26/2022 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument Error: Security instrument loan amount and note original loan amount do not concur. |  | The loan amount reflecting on the Security Instrument does not align with the loan amount disclosed on the Note. Provide corrected document reflecting the correct loan amount. |  | Reviewer Comment (2022-07-27): Final signed dated accurate Security Instrument provided | 07/27/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773677 | xxxxxx | 26332872 | xxxxxx | 07/26/2022 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2022-07-28): Received final title | 07/28/2022 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773677 | xxxxxx | 26332907 | xxxxxx | 07/26/2022 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Incorrect Appraisal Form type: Appraisal Form 1073/465 used for incorrect Subject property type. | Valuation Type: Appraisal / Valuation Report date: xxxxxx |  | 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>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-07-25): Client elects to waive |  |  | 07/25/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773677 | xxxxxx | 26332932 | xxxxxx | 07/26/2022 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-07-28): Received UW cert<br>Reviewer Comment (2022-07-27): Provide final xxxxxx xxxxxx with cleared Red Flags | 07/28/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773677 | xxxxxx | 26333300 | xxxxxx | 07/26/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - xxxxxx Testing | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of xxxxxx on Final Closing Disclosure provided on xxxxxx not accurate. (Final xxxxxx) |  |  | Reviewer Comment (2022-07-25): Client elects to waive |  |  | 07/25/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | B | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 772325 | xxxxxx | 26315046 | xxxxxx | 07/26/2022 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | Missing Credit Report Gap. |  | Reviewer Comment (2022-07-29): Provided | 07/29/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772325 | xxxxxx | 26315462 | xxxxxx | 07/26/2022 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification | Missing Insurance verification. |  | Reviewer Comment (2022-07-29): Land only, insurance not required. | 07/29/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772325 | xxxxxx | 26315501 | xxxxxx | 07/26/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | An acknowledgement of receipt of appraisal not provided to the borrower three days prior to consummation. |  | Reviewer Comment (2022-07-25): Client elects to waive |  |  | 07/25/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Second Home | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772325 | xxxxxx | 26315502 | xxxxxx | 07/26/2022 | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.12189% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .12189%). |  |  | Reviewer Comment (2022-07-25): Client elects to waive |  |  | 07/25/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 772325 | xxxxxx | 26315503 | xxxxxx | 07/26/2022 | 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 $432.25 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | Zero percent tolerance exceeded by $432.25 with no cure nor valid change circumstance. |  | Reviewer Comment (2022-07-29): SitusAMC received a valid COC. | 07/29/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 772325 | xxxxxx | 26339288 | xxxxxx | 07/26/2022 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2022-07-31): 1008 w/ UW name provided<br>Reviewer Comment (2022-07-29): The underwriter name is blank on the 1008 provided. | 07/31/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772333 | xxxxxx | 26316502 | xxxxxx | 07/27/2022 | Credit | Credit | Credit Calculation / Analysis | Credit | Missing Document: Alternative Credit Documentation not provided |  | In order to comply with Anti-Money Laundering ("AML") and Office of Foreign Asset Control ("OFAC") requirements, one of the following will be required:<br> o A xxxxxx. credit report with at least two (2) trade lines with minimum age of two<br> (2) years for one trade line; or<br> o An international credit report; or<br> o An original credit reference letter from an internationally known financial institution. The reference letter does not need to include details or payment histories of debt obligations located outside of the xxxxxx.; or<br> o A bank statement documenting a foreign financial banking relationship for the past 60-days may be utilized in this section. |  | Reviewer Comment (2022-07-28): Alternative credit references have been provided. | 07/28/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 772333 | xxxxxx | 26316518 | xxxxxx | 07/27/2022 | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | Lender exception in file for FTI on a FN borrower. Must be approved by the Investor. | 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. | Reviewer Comment (2022-08-01): Client elects to waive with verified compensation factors |  |  | 08/01/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 772333 | xxxxxx | 26349150 | xxxxxx | 07/27/2022 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | Item #4 on the Note references a PPP rider. Loan file contains an executed PPP; however, the percentage is missing. Please provide the executed and corrected PPP, LOE to borrower, and evidence of delivery to the borrower. |  | Reviewer Comment (2022-08-29): Pre-payment Rider received with prepayment charge 5% and also received LOE to borrower, and evidence of delivery to the borrower. , Exception Cleared (D0173) | 08/29/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | Yes | Property Focused |
| xxxxxx | 772333 | xxxxxx | 26349264 | xxxxxx | 07/27/2022 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower to provide a third-party document with an address that matches the primary residence on the application e.g., lease agreement, utility bill, financial statement. |  | Reviewer Comment (2022-07-28): Evidence of primary was provided. | 07/28/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 772333 | xxxxxx | 26349348 | xxxxxx | 07/27/2022 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | ACH information was not provided and borrower is Foreign National | Borrower: xxxxxx , Borrower: xxxxxx |  |  | Reviewer Comment (2022-07-28): ACH Form was provided. | 07/28/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 773667 | xxxxxx | 26321497 | xxxxxx | 07/28/2022 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  |  | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>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>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-08-03): The client elects to waive with comp factors.<br>Reviewer Comment (2022-08-01): A contract is still needed even if the property is a FSBO<br>Reviewer Comment (2022-07-29): Escrow instructions do not clear this condition. A purchase agreement/sales contract is required. |  |  | 08/03/2022 | 2 | D B | D B | D | B D | xxxxxx | xxxxxx | Primary | Purchase | D B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773667 | xxxxxx | 26321934 | xxxxxx | 07/28/2022 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-08-01): A UW Cert addressing the red flags was provided. | 08/01/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773667 | xxxxxx | 26321951 | xxxxxx | 07/28/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD. | Date Issued: xxxxxx H Other 2 | Closing Disclosure reflects a fee paid to "other" in section H. |  | Reviewer Comment (2022-07-28): Client elects to waive |  |  | 07/28/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | B | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773667 | xxxxxx | 26322502 | xxxxxx | 07/28/2022 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  | Reviewer Comment (2022-07-28): Client elects to waive |  |  | 07/28/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | D B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773667 | xxxxxx | 26322504 | xxxxxx | 07/28/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - xxxxxx Testing | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of xxxxxx on Final Closing Disclosure provided on xxxxxx not accurate. (Final xxxxxx) |  |  | Reviewer Comment (2022-07-28): Client elects to waive |  |  | 07/28/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | B | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773667 | xxxxxx | 26323454 | xxxxxx | 07/28/2022 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 1.27 is less than Guideline PITIA months reserves of 4.00. |  |  | Reviewer Comment (2022-08-01): Additional assets were provided. | 08/01/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773667 | xxxxxx | 26379589 | xxxxxx | 08/01/2022 | 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. | Only 1 month of assets provided. Please provide a second consecutive month |  | Reviewer Comment (2022-08-02): Only one month of statements is required. | 08/02/2022 |  |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM status D B | B | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773667 | xxxxxx | 26379590 | xxxxxx | 08/01/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. (xxxxxx) | Only 1 month of assets provided. Please provide a second consecutive month |  | Reviewer Comment (2022-08-02): Only one month of statements is required. | 08/02/2022 |  |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Primary | Purchase | D B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773667 | xxxxxx | 26379591 | xxxxxx | 08/01/2022 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Only 1 month of assets provided. Please provide a second consecutive month |  | Reviewer Comment (2022-08-02): Only one month of statements is required. | 08/02/2022 |  |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Primary | Purchase | D B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773662 | xxxxxx | 26328929 | xxxxxx | 07/29/2022 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Preliminary Report does not show coverage amount. |  | Reviewer Comment (2022-08-03): The TPOL was provided. | 08/03/2022 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773662 | xxxxxx | 26329292 | xxxxxx | 07/29/2022 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-xxxxxx Citizen Status not provided |  |  |  | Reviewer Comment (2022-08-04): A passport was provided, and a corrected 1003 form was issued reflecting that the borrower is a xxxxxx. citizen. | 08/04/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773662 | xxxxxx | 26329309 | xxxxxx | 07/29/2022 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2022-08-01): The 1008 was provided | 08/01/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773662 | xxxxxx | 26329373 | xxxxxx | 07/29/2022 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-08-01): The gap report was provided. | 08/01/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773662 | xxxxxx | 26329687 | xxxxxx | 07/29/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | The file is missing evidence the borrower(s) received a copy of the appraisal report(s) at least 3 business days prior to loan consummation. |  | Reviewer Comment (2022-07-28): Client elects to waive |  |  | 07/28/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773662 | xxxxxx | 26329688 | xxxxxx | 07/29/2022 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.52420% or Final Disclosure APR of 8.56200% is in excess of allowable threshold of APOR 5.88% + 1.5%, or 7.38000%. Non-Compliant Higher Priced Mortgage Loan. | The loan is HPML Non Compliant due to missing evidence the borrower received a copy of the appraisals at least 3 business days prior to the loan consummation. |  | Reviewer Comment (2022-08-03): Evidence that the borrower received the appraisal at least 3 business days prior to closing was provided.<br>Reviewer Comment (2022-08-03): Does not appear that anything was provided for this exception | 08/03/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773662 | xxxxxx | 26329689 | xxxxxx | 07/29/2022 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | The file is missing evidence the borrower(s) received a copy of the appraisal report(s) at least 3 business days prior to loan consummation. |  | Reviewer Comment (2022-08-03): Evidence that the borrower received the appraisal at least 3 business days prior to closing was provided.<br>Reviewer Comment (2022-08-03): Does not appear that anything was provided for this exception | 08/03/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773662 | xxxxxx | 26329690 | xxxxxx | 07/29/2022 | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.40487% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .40487%). |  |  | Reviewer Comment (2022-07-28): Client elects to waive |  |  | 07/28/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773662 | xxxxxx | 26329691 | xxxxxx | 07/29/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file contains a copy of the Homeownership Counseling List; however, the document does not verify that the list date was updated with in the last 30 days. |  | Reviewer Comment (2022-07-28): Client elects to waive |  |  | 07/28/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773662 | xxxxxx | 26329693 | xxxxxx | 07/29/2022 | 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 $5,475.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | The Loan Discount Points increased from $0.00 on the initial Loan Estimate to xxxxxx on the Loan Estimate dated xxxxxx without a valid change of circumstance. Please note, there is a Change of Circumstance form dated xxxxxx in the file; however, the file does not contain a Loan Estimate that is associated with that COC. |  | Reviewer Comment (2022-08-03): SitusAMC received a valid COC for the fee added. | 08/03/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773662 | xxxxxx | 26329708 | xxxxxx | 07/29/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | The Final Closing Disclosure reflects the Total of Payments as xxxxxx; however, the calculated Total of Payments is xxxxxx. |  | Reviewer Comment (2022-08-16): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission.<br>Reviewer Comment (2022-08-12): Exception Detail Updated from: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx <br>Reviewer Comment (2022-08-10): Please provide new RTC in order to complete cure testing. |  | 08/16/2022 |  | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission i(required on rescindable transactions) B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773662 | xxxxxx | 26329712 | xxxxxx | 07/29/2022 | 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 (2022-08-03): The TPOL was provided | 08/03/2022 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774303 | xxxxxx | 26351072 | xxxxxx | 08/02/2022 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bankruptcy Documents not provided |  | Missing Bankruptcy document to verify date of resolution. The credit report shows date filed for Chapter 7 bankruptcy; however, no discharge date was verified. |  | Reviewer Comment (2022-08-08): The client accepts the last activity date as the discharge date. | 08/08/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774303 | xxxxxx | 26351145 | xxxxxx | 08/02/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary xxxxxx) | The appraisal notice provided reflect a date prior to the completion date. |  | Reviewer Comment (2022-08-01): Client elects to waive |  |  | 08/01/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774303 | xxxxxx | 26351146 | xxxxxx | 08/02/2022 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.78520% or Final Disclosure APR of 7.78500% is in excess of allowable threshold of APOR 5.37% + 1.5%, or 6.87000%. Non-Compliant Higher Priced Mortgage Loan. | The appraisal notice provided reflect a date prior to the completion date. |  | Reviewer Comment (2022-08-04): The original appraisal was provided. | 08/04/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774303 | xxxxxx | 26351147 | xxxxxx | 08/02/2022 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal Not Obtained Timely) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not obtained prior to consummation. | The appraisal notice provided reflect a date prior to the completion date. |  | Reviewer Comment (2022-08-04): The original appraisal was provided. | 08/04/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774303 | xxxxxx | 26351148 | xxxxxx | 08/02/2022 | 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 | Missing HOEPA Disclosure. |  | Reviewer Comment (2022-09-06): DF HOEPA Cure provided.<br>Reviewer Comment (2022-09-06): LOE from the Seller to the borrower was received; however, canceled check, nor LOE giving the borrower the choice of taking the refund or keeping the loan high cost was provided.<br>The choice letter and refund check do not have to be sent at the same time, because they could not be sent at the same time – borrower needs to make their choice of a refund or keeping the loan high cost first. After that happens, then the Seller could issue the refund check, if that was borrower's choice. <br>To clear the open conditions they will need to provide evidence that borrower was given a choice of a refund or keeping the loan high cost, and a copy of the canceled check (since they sent it regular mail).<br>Reviewer Comment (2022-08-25): The email to the borrower is not acceptable. Please see comments from xxxxxx The email provided is not acceptable as it does not provide a choice nor decision of the borrower. Further, tracking evidence of the cure was not provided. The HOEPA cure provisions are very specific in the cure requirements. Cure provisions require an LOE to borrower providing choice of accepting refund for overage or keeping loan high-cost and making it compliant as well as Borrower signed letter indicating choice confirming the cure method chosen was their decision. Assuming the borrower chooses a refund, we need proof of delivery that can be tracked (i.e xxxxxx mailing label).<br>Reviewer Comment (2022-08-12): Received envelope for mailing, copy of check, and LOE to borrower regarding cure. However a refund cannot be automatically give to the borrower. The HOEPA cure provisions are very specific in the cure requirements. Cure provisions require an LOE to borrower providing choice of accepting refund for overage or keeping loan high-cost and making it compliant as well as Borrower signed letter indicating choice confirming the cure method chosen was their decision. Assuming the borrower chooses a refund, we need proof of delivery that can be tracked (i.e xxxxxx mailing label). | 09/06/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774303 | xxxxxx | 26351149 | xxxxxx | 08/02/2022 | 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. |  |  | Reviewer Comment (2022-09-06): DF HOEPA Cure provided.<br>Reviewer Comment (2022-08-25): The email to the borrower is not acceptable. Please see comments from xxxxxx The email provided is not acceptable as it does not provide a choice nor decision of the borrower. Further, tracking evidence of the cure was not provided. The HOEPA cure provisions are very specific in the cure requirements. Cure provisions require an LOE to borrower providing choice of accepting refund for overage or keeping loan high-cost and making it compliant as well as Borrower signed letter indicating choice confirming the cure method chosen was their decision. Assuming the borrower chooses a refund, we need proof of delivery that can be tracked (i.e xxxxxx mailing label).<br>Reviewer Comment (2022-08-12): Received envelope for mailing, copy of check, and LOE to borrower regarding cure. However a refund cannot be automatically give to the borrower. The HOEPA cure provisions are very specific in the cure requirements. Cure provisions require an LOE to borrower providing choice of accepting refund for overage or keeping loan high-cost and making it compliant as well as Borrower signed letter indicating choice confirming the cure method chosen was their decision. Assuming the borrower chooses a refund, we need proof of delivery that can be tracked (i.e xxxxxx mailing label). | 09/06/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774303 | xxxxxx | 26351150 | xxxxxx | 08/02/2022 | 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. | The late charge of 5% and grace period of 15 days exceeds the greater of 4%. |  | Reviewer Comment (2022-09-06): DF HOEPA Cure provided.<br>Reviewer Comment (2022-08-25): The email to the borrower is not acceptable. Please see comments from xxxxxx The email provided is not acceptable as it does not provide a choice nor decision of the borrower. Further, tracking evidence of the cure was not provided. The HOEPA cure provisions are very specific in the cure requirements. Cure provisions require an LOE to borrower providing choice of accepting refund for overage or keeping loan high-cost and making it compliant as well as Borrower signed letter indicating choice confirming the cure method chosen was their decision. Assuming the borrower chooses a refund, we need proof of delivery that can be tracked (i.e xxxxxx mailing label).<br>Reviewer Comment (2022-08-12): Received envelope for mailing, copy of check, and LOE to borrower regarding cure. However a refund cannot be automatically give to the borrower. The HOEPA cure provisions are very specific in the cure requirements. Cure provisions require an LOE to borrower providing choice of accepting refund for overage or keeping loan high-cost and making it compliant as well as Borrower signed letter indicating choice confirming the cure method chosen was their decision. Assuming the borrower chooses a refund, we need proof of delivery that can be tracked (i.e xxxxxx mailing label). | 09/06/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774303 | xxxxxx | 26351151 | xxxxxx | 08/02/2022 | 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 5.02085% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an allowable total of xxxxxx (an overage of xxxxxx or .02085%). Non-Compliant High Cost Loan. |  |  | Reviewer Comment (2022-09-06): Cure documentation received.<br>Reviewer Comment (2022-08-25): The email to the borrower is not acceptable. Please see comments from xxxxxx The email provided is not acceptable as it does not provide a choice nor decision of the borrower. Further, tracking evidence of the cure was not provided. The HOEPA cure provisions are very specific in the cure requirements. Cure provisions require an LOE to borrower providing choice of accepting refund for overage or keeping loan high-cost and making it compliant as well as Borrower signed letter indicating choice confirming the cure method chosen was their decision. Assuming the borrower chooses a refund, we need proof of delivery that can be tracked (i.e xxxxxx mailing label).<br>Reviewer Comment (2022-08-12): Received envelope for mailing, copy of check, and LOE to borrower regarding cure. However a refund cannot be automatically give to the borrower. The HOEPA cure provisions are very specific in the cure requirements. Cure provisions require an LOE to borrower providing choice of accepting refund for overage or keeping loan high-cost and making it compliant as well as Borrower signed letter indicating choice confirming the cure method chosen was their decision. Assuming the borrower chooses a refund, we need proof of delivery that can be tracked (i.e xxxxxx mailing label). |  | 09/06/2022 |  | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | 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 | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774303 | xxxxxx | 26351152 | xxxxxx | 08/02/2022 | 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. | Missing HOEPA counseling status. |  | Reviewer Comment (2022-09-06): DF HOEPA Cure provided.<br>Reviewer Comment (2022-08-25): The email to the borrower is not acceptable. Please see comments from xxxxxx The email provided is not acceptable as it does not provide a choice nor decision of the borrower. Further, tracking evidence of the cure was not provided. The HOEPA cure provisions are very specific in the cure requirements. Cure provisions require an LOE to borrower providing choice of accepting refund for overage or keeping loan high-cost and making it compliant as well as Borrower signed letter indicating choice confirming the cure method chosen was their decision. Assuming the borrower chooses a refund, we need proof of delivery that can be tracked (i.e xxxxxx mailing label).<br>Reviewer Comment (2022-08-12): Received envelope for mailing, copy of check, and LOE to borrower regarding cure. However a refund cannot be automatically give to the borrower. The HOEPA cure provisions are very specific in the cure requirements. Cure provisions require an LOE to borrower providing choice of accepting refund for overage or keeping loan high-cost and making it compliant as well as Borrower signed letter indicating choice confirming the cure method chosen was their decision. Assuming the borrower chooses a refund, we need proof of delivery that can be tracked (i.e xxxxxx mailing label). | 09/06/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774303 | xxxxxx | 26351153 | xxxxxx | 08/02/2022 | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 5.02085% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 2.02085%). |  |  | Reviewer Comment (2022-08-01): Client elects to waive |  |  | 08/01/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774303 | xxxxxx | 26351155 | xxxxxx | 08/02/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xxxxxx not received by borrower at least four (4) business days prior to closing. (Interim xxxxxx) | Loan estimate was not provided to the borrower at least four business days prior to closing. |  | Reviewer Comment (2022-08-05): SitusAMC received xxxxxx LE with proof of earlier receipt. | 08/05/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774303 | xxxxxx | 26380453 | xxxxxx | 08/02/2022 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Account Statements | Standard documentation requirements require the verification of Social Security income to be verified with an Award Letter and 30-days current proof of receipt. The award letter was in the file, but missing bank statement to verify most recent receipt of the income source. |  | Reviewer Comment (2022-08-12): The bank statement reflecting the SSI deposit was provided. | 08/12/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772941 | xxxxxx | 26353847 | xxxxxx | 08/02/2022 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / xxxxxx not provided |  | Missing Loan Underwriting Transmittal Summary (1008). The 1008 provided in the loan file, does not reflect the UW's name and appraised value. |  | Reviewer Comment (2022-08-09): Received | 08/09/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772941 | xxxxxx | 26354652 | xxxxxx | 08/02/2022 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Letter | Missing CPA letter to verify percentage of ownership. |  | Reviewer Comment (2022-08-09): Received | 08/09/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772941 | xxxxxx | 26354655 | xxxxxx | 08/02/2022 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx , Credit Report: Original // Borrower: xxxxxx | Missing Fraud Reports. |  | Reviewer Comment (2022-08-09): Received | 08/09/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772941 | xxxxxx | 26354744 | xxxxxx | 08/02/2022 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 10.60 is less than Guideline PITIA months reserves of 12.00. | Calculated reserves of 10.6 was less than guideline required reserved of 12.00 for an LTV of 90%. In addition, the EMD fund was unsourced, only a copy of check was provided in the loan file. |  | Reviewer Comment (2022-08-09): Received | 08/09/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772941 | xxxxxx | 26354823 | xxxxxx | 08/02/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Missing Home ownership counseling organization list. |  | Reviewer Comment (2022-08-01): Client elects to waive |  |  | 08/01/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772941 | xxxxxx | 26354824 | xxxxxx | 08/02/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | The total payment amount disclosed on the final CD does not match the actual total payment for the loan. |  | Reviewer Comment (2022-08-19): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD.<br>Reviewer Comment (2022-08-16): SitusAMC received Corrected CD. Missing the following to cure this material disclosure violation: Copy of LOE which accompanied the corrected CD, copy of cure refund for the total underdisclosure amount of $164.06 and proof of mailing. |  | 08/19/2022 |  | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 772941 | xxxxxx | 26354825 | xxxxxx | 08/02/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial xxxxxx) | The only E-sign consent document in the file was signed on xxxxxx , which is after the date the LE was signed electronically on xxxxxx . |  | Reviewer Comment (2022-08-09): SitusAMC received e-signed consent. | 08/09/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772941 | xxxxxx | 26354856 | xxxxxx | 08/02/2022 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | Missing Initial 1003. |  | Reviewer Comment (2022-08-09): Client elects to waive<br>Reviewer Comment (2022-08-09): Document received is incomplete. Please provide the first 2 pages of the initial 1003 for the borrower (1003 provided starts on Page 3 and includes co-borrower's full 1003). |  |  | 08/09/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772941 | xxxxxx | 26354860 | xxxxxx | 08/02/2022 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | Missing Credit Report Gap. |  | Reviewer Comment (2022-08-09): Received | 08/09/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772941 | xxxxxx | 26354862 | xxxxxx | 08/02/2022 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Missing Fraud Report. |  | Reviewer Comment (2022-08-09): Received | 08/09/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772314 | xxxxxx | 26364768 | xxxxxx | 08/04/2022 | Compliance | Compliance | Federal Compliance | Flood | Flood Insurance Escrow - Flood not Escrowed for Property in Flood Zone | Loan originated post xxxxxx, the subject property is in a flood zone, flood insurance is not escrowed. | Flood insurance is not escrowed. |  | Reviewer Comment (2022-08-02): Client elects to waive |  |  | 08/02/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 772314 | xxxxxx | 26366866 | xxxxxx | 08/04/2022 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 4.66 is less than Guideline PITIA months reserves of 6.00. |  | Borrower has worked in the same position for more than 3 years.<br>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>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2022-08-09): The client elects to waive with comp factors.<br>Reviewer Comment (2022-08-08): The correct percentage was applied to all accounts and the loan is still xxxxxx short in verified funds to meet the reserves requirement. |  |  | 08/09/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 772314 | xxxxxx | 26393443 | xxxxxx | 08/04/2022 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception in file: 1007 was updated with long-term rent of $1,300/mo that is based on short term rental data. Appraiser annualized the short term rental income to provide long term gross rent of $1,300/mo. Rental comps are not long term rentals but the income was annualized in an attempt to mirror long term rents. | Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years. | Reviewer Comment (2022-08-02): Lender granted exception approval in loan file. |  |  | 08/02/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 774308 | xxxxxx | 26368815 | xxxxxx | 08/04/2022 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Collections / Balance: xxxxxx | Collection Item on Credit Report without a Letter of Explanation and not showing paid before or at the Closing. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2022-08-03): Client elects to waive |  |  | 08/03/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774308 | xxxxxx | 26369026 | xxxxxx | 08/04/2022 | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.39967% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.39967%). |  |  | Reviewer Comment (2022-08-03): Client elects to waive |  |  | 08/03/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B | B | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774308 | xxxxxx | 26403379 | xxxxxx | 08/04/2022 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 621 is less than Guideline representative FICO score of 700. | xxxxxx for Bank statement program minimum credit score is 700 to go up to a 75% LTV. |  | Reviewer Comment (2022-08-22): The loan was re-reviewed to the correct guidelines and this no longer applies.<br>Reviewer Comment (2022-08-11): Please see the seller's comments and advise as we were instructed to review the 7/2022 matrix for this loan. | 08/22/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774247 | xxxxxx | 26446267 | xxxxxx | 08/08/2022 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Missing intraspousal deed granting property to our borrower as sole and separate property. |  | Reviewer Comment (2022-08-09): Intraspousal Transfer Grant Deed provided. Cleared. | 08/09/2022 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Primary | Purchase | D A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774247 | xxxxxx | 26446543 | xxxxxx | 08/08/2022 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-08-09): The fraud report addressing the red flags was provided. | 08/09/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775926 | xxxxxx | 26397594 | xxxxxx | 08/08/2022 | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  |  |  | Reviewer Comment (2022-08-16): The title commitment was provided. | 08/16/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 775926 | xxxxxx | 26398215 | xxxxxx | 08/08/2022 | 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 6.00. |  |  | Reviewer Comment (2022-08-25): Received updated bank statement. | 08/25/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 775926 | xxxxxx | 26398867 | xxxxxx | 08/08/2022 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $135,117.31 is less than Cash From Borrower $155,624.67. |  |  | Reviewer Comment (2022-08-25): Received updated bank statement. | 08/25/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 775926 | xxxxxx | 26447981 | xxxxxx | 08/08/2022 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Will need a rent free letter from the owner of the property, that is signed and dated to confirm that the borrower does not have any financial obligations to the property. 1003 reflects rent but no dollar amount. If renting, provide the VOR. |  | Reviewer Comment (2022-08-23): Rent free letter in file and property profile report to support no ownership provided | 08/23/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 775926 | xxxxxx | 26448034 | xxxxxx | 08/08/2022 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The appraisal reflects the Flood Zone as xxxxxx vs. Flood Cert which reflects Flood Zone xxxxxx. Provide the updated appraisal. |  | Reviewer Comment (2022-08-23): Updated appraisal provided | 08/23/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 775926 | xxxxxx | 26610572 | xxxxxx | 08/23/2022 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the updated 1003 for the borrower's primary residence to reflect No primary Housing expense vs. Rent. |  | Reviewer Comment (2022-08-31): Updated 1003 provided | 08/31/2022 |  |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 767968 | xxxxxx | 26429423 | xxxxxx | 08/09/2022 | 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 $855.00 exceeds tolerance of $640.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  | Reviewer Comment (2022-08-04): Sufficient Cure Provided At Closing |  | 08/04/2022 |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B | A | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 767968 | xxxxxx | 26429478 | xxxxxx | 08/09/2022 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $274,733.39 is less than Cash From Borrower $337,450.11. | The file does contain one additional business account with xxxxxx that was not used due to the business name on the bank statement does not match any of the business names listed on the CPA letter; although there are four similar businesses listed on the CPA letter they are all LLC's while the name listed on the bank statement is Inc. There is no documentation in the file to confirm the borrower's ownership of this account. In addition, the account statement is dated more than 90 days from the note date. |  | Reviewer Comment (2022-08-11): The Final CD showing cash-out amount from simultaneous closing xxxxxx. Borrower converting primary to investment property. | 08/11/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 767968 | xxxxxx | 26429490 | xxxxxx | 08/09/2022 | 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 6.00. | The file does contain one additional business account with xxxxxx that was not used due to the business name on the bank statement does not match any of the business names listed on the CPA letter; although there are four similar businesses listed on the CPA letter they are all LLC's while the name listed on the bank statement is Inc. There is no documentation in the file to confirm the borrower's ownership of this account. In addition, the account statement is dated more than 90 days from the note date. |  | Reviewer Comment (2022-08-11): The Final CD showing cash-out amount from simultaneous closing xxxxxx. Borrower converting primary to investment property. | 08/11/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 767968 | xxxxxx | 26429499 | xxxxxx | 08/09/2022 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy number is missing from evidence of insurance. |  | The hazard insurance policy is missing the policy number. | 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.<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. | Reviewer Comment (2022-08-09): Client elects to waive |  |  | 08/09/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 767968 | xxxxxx | 26429542 | xxxxxx | 08/09/2022 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-08-11): The fraud report was provided. | 08/11/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 767968 | xxxxxx | 26429608 | xxxxxx | 08/09/2022 | Credit | Guideline | Guideline Issue | Guideline | Program Guidelines require the borrower has been in business for a minimum of 2 years. |  | The guidelines require the business to be active for a minimum of 2 years. The borrower's business used to qualify the loan has only been in business since xxxxxx or 1.64 years. The file contains an Investor exception; however, the compensating factors are incorrect. The reserves do not exceed the requirement by 10 months or more as listed. | 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.<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. | Reviewer Comment (2022-08-11): Comp factors used to waive exception |  |  | 08/11/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 767968 | xxxxxx | 26458468 | xxxxxx | 08/09/2022 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Missing tax certificate for subject property. Loan file contains lender tax worksheet; however, need evidence of actual property taxes from county or city. |  | Reviewer Comment (2022-08-11): A tax information sheet was provided. | 08/11/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 767968 | xxxxxx | 26458706 | xxxxxx | 08/09/2022 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | Missing evidence the REO on xxxxxx is owned free & clear. |  | Reviewer Comment (2022-08-16): A property history report was provided reflecting no liens.<br>Reviewer Comment (2022-08-11): please provide a property report showing no liens on the property | 08/16/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 773680 | xxxxxx | 26426639 | xxxxxx | 08/09/2022 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations: D. 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? was entered Yes. Unable to determine qualification without this information. | Borrower: xxxxxx | Borrower answered Yes to question D1. on the 1003. Please provide additional information regarding the loan or credit that is being applied for. |  | Reviewer Comment (2022-08-11): The Final CD for primary purchase was provided. | 08/11/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 773680 | xxxxxx | 26426851 | xxxxxx | 08/09/2022 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The Hazard Insurance Coverage is insufficient for the Subject Property in the amount of xxxxxx. Please provide increased coverage or RCE. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2022-09-07): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-06): The policy date is xxxxxx ; however, the endorsement effective date is xxxxxx . Further, there is an email in the file from the insurance agent dated xxxxxx which only reflects xxxxxx in coverage. Will need evidence the increased coverage was in effect at the time the subject loan closed.<br>Reviewer Comment (2022-08-29): Document provided is dated xxxxxx , which is post consummation. Need evidence of increased coverage or an RCE dated prior to consummation date to clear this condition. |  |  | 09/07/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 773680 | xxxxxx | 26458971 | xxxxxx | 08/09/2022 | Credit | Guideline | Guideline Issue | Guideline | Program Guidelines require the borrower has been in business for a minimum of 2 years. |  | Guidelines for the bank statement program require business to be in existence for at least 2 years. Business used to qualify was opened xxxxxx, which is less than 2 years from the subject Note date of xxxxxx. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2022-08-29): Waived with compensating factors per investor request. |  |  | 08/29/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 773680 | xxxxxx | 26459012 | xxxxxx | 08/09/2022 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is purchasing new primary and converting subject property to an investment. Please provide PITIA for new primary residence. DTI subject to recalculation once received. |  | Reviewer Comment (2022-08-11): The Final CD for primary purchase was provided. | 08/11/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 773680 | xxxxxx | 26459041 | xxxxxx | 08/09/2022 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-08-11): EMD monitoring dated prior t closing was provided. | 08/11/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 773680 | xxxxxx | 26459219 | xxxxxx | 08/09/2022 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | Missing evidence the REO on xxxxxx is owned free and clear. |  | Reviewer Comment (2022-08-15): Cleared<br>Reviewer Comment (2022-08-11): Evidence of free & clear via 3rd party property report. | 08/15/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 774462 | xxxxxx | 26405971 | xxxxxx | 08/09/2022 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Provide the Loan Application. |  | Reviewer Comment (2022-08-11): The credit application was provided. | 08/11/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 774462 | xxxxxx | 26406014 | xxxxxx | 08/09/2022 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 74.72222% exceeds Guideline loan to value percentage of 70.00000%. | Per investor matrix, max LTV for a C/O refi in xxxxxx is 70%. |  | Reviewer Comment (2022-08-16): Matrix allows for 75 with a 700+ score | 08/16/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 774462 | xxxxxx | 26456526 | xxxxxx | 08/09/2022 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | COGS in file is > 1 year old. (from 2017) |  | Reviewer Comment (2022-08-11): Evidence the business was active prior to closing was provided. | 08/11/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 774462 | xxxxxx | 26456563 | xxxxxx | 08/09/2022 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of xxxxxx is less than Guideline minimum loan amount of $150,000.00. | Per investor matrix, minimum loan amount is $150,000 when DSCR is < 1.50 and LTV is > 65% on a C/O refinance. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-09-06): Waived with compensating factors per investor request.<br>Reviewer Comment (2022-08-17): The seller is requesting an exception waiver. |  |  | 09/06/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 774462 | xxxxxx | 26458928 | xxxxxx | 08/09/2022 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Flood Insurance mailing address for the borrower is the same as the subject property. |  | Reviewer Comment (2022-08-12): Corrected flood policy provided | 08/12/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 776159 | xxxxxx | 26431178 | xxxxxx | 08/10/2022 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx 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 does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Reviewer Comment (2022-08-15): A supplemental report with the coverage amount was provided. | 08/15/2022 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 775643 | xxxxxx | 26444721 | xxxxxx | 08/11/2022 | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.06299% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.06299%). |  |  | Reviewer Comment (2022-08-11): Client elects to waive |  |  | 08/11/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | B | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775643 | xxxxxx | 26444722 | xxxxxx | 08/11/2022 | 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 $510.00 exceeds tolerance of $500.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | TRID Zero Percent Tolerance Exceeds |  | Reviewer Comment (2022-08-08): Sufficient Cure Provided At Closing |  | 08/08/2022 |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | B | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775643 | xxxxxx | 26444723 | xxxxxx | 08/11/2022 | 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 $766.00 exceeds tolerance of $640.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) | TRID Zero Percent Tolerance Exceeds |  | Reviewer Comment (2022-08-08): Sufficient Cure Provided At Closing |  | 08/08/2022 |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | B | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775643 | xxxxxx | 26485336 | xxxxxx | 08/11/2022 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Letter | Per guidelines for the P&L program, a CPA letter in which the CPA/EA attests to preparing the borrower's most recent tax return is required, along with proof the CPA/EA is currently licensed. The CPA letter provided does not indicate that they prepared the most recent tax returns. Further, the printout provided does not verify that the CPA/EA is currently licensed. |  | Reviewer Comment (2022-08-25): File re-reviewed as 12 mo P&L/CPA with 2 months business bank statements and condition no longer applies.<br>Reviewer Comment (2022-08-23): Lender would like to waive<br>Reviewer Comment (2022-08-17): Please see page xxxxxx 5 of xxxxxx. xxxxxx Guidelines 2.2022.<br>Reviewer Comment (2022-08-15): CPA letter does not state that the CPA Prepared the most recent taxes. | 08/25/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774307 | xxxxxx | 26449038 | xxxxxx | 08/12/2022 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: Valuation report date was not provided. |  | The appraisal report reflects the Date of Signature and Report as xxxxxx instead of xxxxxx . |  | Reviewer Comment (2022-08-22): Updated appraisal provided | 08/22/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B A | A | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 774307 | xxxxxx | 26450239 | xxxxxx | 08/12/2022 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2022-08-23): Received final title<br>Reviewer Comment (2022-08-22): No new trailing documents uploaded for this condition. Please try uploading again. | 08/23/2022 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Purchase | C B A | A | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 774307 | xxxxxx | 26450245 | xxxxxx | 08/12/2022 | 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 (2022-08-23): Received final title | 08/23/2022 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Investment | Purchase | C B A | A | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 774307 | xxxxxx | 26450267 | xxxxxx | 08/12/2022 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Verification | When P&L Only is being used to qualify the loan, the guidelines require documentation showing the CPA is currently licensed in their state, the EA is currently active (Screen shot of the IRS web site), or the CTEC is active (Screen shot from CTEC web site), which was not provided in the file. |  | Reviewer Comment (2022-08-25): Received proof EA is active.<br>Reviewer Comment (2022-08-25): Remains<br>Reviewer Comment (2022-08-23): The excel spreadsheet provided is not evidence that the preparer is currently licensed, as it does not indicate where it was obtained from, or where any of the information was obtained from. Please provide evidence the C xxxxxx preparer is currently licensed as listed above.<br>Reviewer Comment (2022-08-22): No new trailing documents uploaded for this condition. Please try uploading again. | 08/25/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B A | A | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 774307 | xxxxxx | 26450286 | xxxxxx | 08/12/2022 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification | The file is missing a mortgage statement to verify the borrower's primary PITIA. The mortgage statement needs to confirm the taxes and insurance are included the payment or verification of insurance is required. |  | Reviewer Comment (2022-08-25): Received Hazard Insurance Policy for property xxxxxx. Hence exception cleared.<br>Reviewer Comment (2022-08-23): Exception Explanation Updated from: Insurance Verification, Statement<br>Reviewer Comment (2022-08-23): Mortgage statement received; however, it reflects only property taxes are included in the payment. Need evidence of HOI for primary residence.<br>Reviewer Comment (2022-08-22): No new trailing documents uploaded for this condition. Please try uploading again. | 08/25/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B A | A | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 774307 | xxxxxx | 26597414 | xxxxxx | 08/22/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-08-22): Client elects to waive |  |  | 08/22/2022 | 2 | B | B |  | B | xxxxxx | xxxxxx | Investment | Purchase | C B A | A | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 775085 | xxxxxx | 26470625 | xxxxxx | 08/16/2022 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or undisclosed debt monitoring report is required no more than 10 days prior to loan closing or anytime after closing. |  | Reviewer Comment (2022-08-18): Gap report provided. Cleared. | 08/18/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775085 | xxxxxx | 26470878 | xxxxxx | 08/16/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | The Appraisal was emailed to the Borrower on xxxxxx , however, there is no confirmation of receipt from the Borrower so the 3 day mail rule was used for testing. Calculated receipt date is xxxxxx . Loan closed on xxxxxx . |  | Reviewer Comment (2022-08-16): Client elects to waive |  |  | 08/16/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775085 | xxxxxx | 26470879 | xxxxxx | 08/16/2022 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.42800% or Final Disclosure APR of 7.48700% is in excess of allowable threshold of APOR 5.37% + 1.5%, or 6.87000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2022-08-18): Compliant | 08/18/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775085 | xxxxxx | 26470880 | xxxxxx | 08/16/2022 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | The Appraisal was emailed to the Borrower on xxxxxx , however, there is no confirmation of receipt from the Borrower so the 3 day mail rule was used for testing. Calculated receipt date is xxxxxx . Loan closed on xxxxxx . |  | Reviewer Comment (2022-08-18): Verification of appraisal receipt provided. | 08/18/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775085 | xxxxxx | 26470881 | xxxxxx | 08/16/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Missing the Rate Lock. |  | Reviewer Comment (2022-08-16): Client elects to waive |  |  | 08/16/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775085 | xxxxxx | 26470931 | xxxxxx | 08/16/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial xxxxxx) | The CD dated xxxxxx was not signed so the 3 day mail method of delivery was used to calculate receipt. Borrower's calculated receipt date was xxxxxx . The loan closed on xxxxxx . |  | Reviewer Comment (2022-08-18): SitusAMC received documentation confirming the initial CD was received on xxxxxx . | 08/18/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774650 | xxxxxx | 26476249 | xxxxxx | 08/16/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Total Maximum Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxxxx disclosed an Estimated Total Monthly Payment (Maximum) for payment stream 2 that does not match the actual total payment for the loan. (ProjSeq:2/2005124) | The calculated payment is xxxxxx, however, the CD dated xxxxxx reflects xxxxxx. |  | Reviewer Comment (2022-08-19): SitusAMC received Letter of Explanation, Copy of cure refund, proof of mailing & Corrected Closing Disclosure. |  | 08/19/2022 |  | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774650 | xxxxxx | 26476250 | xxxxxx | 08/16/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxxxx disclosed an Estimated Total Monthly Payment for payment stream 2 that does not match the actual total payment for the loan. (ProjSeq:2/2005124) | The calculated payment is $10,157.00, however, the CD dated xxxxxx reflects $8,156.69. |  | Reviewer Comment (2022-08-19): SitusAMC received Letter of Explanation, Copy of cure refund, proof of mailing & Corrected Closing Disclosure. |  | 08/19/2022 |  | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774650 | xxxxxx | 26476349 | xxxxxx | 08/16/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Mortgage Insurance Paystream 1 | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxxxx disclosed a '-' in the initial payment stream. (ProjSeq:1/2005123) | The CD reflects "-", not "0" for the Monthly Mortgage Insurance Payment. |  | Reviewer Comment (2022-08-19): SitusAMC received Letter of Explanation, Copy of cure refund, proof of mailing & Corrected Closing Disclosure. |  | 08/19/2022 |  | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774650 | xxxxxx | 26516478 | xxxxxx | 08/16/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Amount of Non-Escrowed Property Costs over Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of xxxxxx on Final Closing Disclosure provided on xxxxxx not accurate. (Final xxxxxx) |  |  | Reviewer Comment (2022-08-16): Client elects to waive |  |  | 08/16/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774650 | xxxxxx | 26539551 | xxxxxx | 08/19/2022 | 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 Review Fee. Fee Amount of $169.95 exceeds tolerance of $155.00. Sufficient or excess cure was provided to the borrower at Closing. (75104) |  |  | Reviewer Comment (2022-08-19): Sufficient Cure Provided At Closing |  | 08/19/2022 |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774250 | xxxxxx | 26487180 | xxxxxx | 08/17/2022 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 75.00000% exceeds Guideline loan to value percentage of 70.00000%. | Investor exception in file. | 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. | Reviewer Comment (2022-08-17): Client elects to waive with verified compensation factors |  |  | 08/17/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 774250 | xxxxxx | 26523535 | xxxxxx | 08/17/2022 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  | Document in file is not completed. |  | Reviewer Comment (2022-08-19): NOO provided | 08/19/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 774277 | xxxxxx | 26474421 | xxxxxx | 08/16/2022 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx | There are red flags on the Fraud Report that were not addressed. |  | Reviewer Comment (2022-08-19): Evidence the red flags were addressed was provided. | 08/19/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774277 | xxxxxx | 26474768 | xxxxxx | 08/16/2022 | 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. | Gift Letter provided is not dated. Gift receipt of funds is dated post-consummation date. Compliance testing is based on consummation date, not funding date. |  | Reviewer Comment (2022-08-25): Received.<br>Reviewer Comment (2022-08-22): The disbursement date has no bearing on this. Gift letter and/or receipt must be dated prior to or at closing. | 08/25/2022 |  |  | 1 | B A C | B A | C | A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM status C B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774277 | xxxxxx | 26474769 | xxxxxx | 08/16/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. (Gift Funds/Gift Funds) | Gift Letter provided is not dated. Gift receipt of funds is dated post-consummation date. Compliance testing is based on consummation date, not funding date. |  | Reviewer Comment (2022-08-25): Received.<br>Reviewer Comment (2022-08-22): The disbursement date has no bearing on this. Gift letter and/or receipt must be dated prior to or at closing. | 08/25/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774277 | xxxxxx | 26474770 | xxxxxx | 08/16/2022 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Gift Letter provided is not dated. Gift receipt of funds is dated post-consummation date. Compliance testing is based on consummation date, not funding date. |  | Reviewer Comment (2022-08-31): Received dated Gift letter<br>Reviewer Comment (2022-08-25): Received. | 08/25/2022 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774277 | xxxxxx | 26518439 | xxxxxx | 08/16/2022 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Gift letter in file is not dated. Please provide dated gift letter. |  | Reviewer Comment (2022-08-31): Gift letter received is dated<br>Reviewer Comment (2022-08-31): Received<br>Reviewer Comment (2022-08-22): The gift letter provided is not dated. | 08/31/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774277 | xxxxxx | 26518504 | xxxxxx | 08/16/2022 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>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>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2022-09-02): The client elects to waive with comp factors.<br>Reviewer Comment (2022-08-22): This loan was underwritten to investor guidelines. LQI in file dated xxxxxx . The guidelines require a gap report within 10 days prior to consummation or anytime after. Condition remains. |  |  | 09/02/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774277 | xxxxxx | 26518535 | xxxxxx | 08/16/2022 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Missing VOR for current primary residence. If private individual, 6 months canceled checks are also required. |  | Reviewer Comment (2022-08-31): Received<br>Reviewer Comment (2022-08-31): Processor cert has been provided with move in date (D0316) but the document date is mentioned as xxxxxx which is after the note date. Need for second level review.<br>Reviewer Comment (2022-08-22): Loan was UW to investor guidelines. Per guidelines a completed VOR is required as well as 6 months cancelled checks if from a private party. The VOR provided by the xxxxxx is just an LOE. Does not verify dates rented, amount rented for, etc.<br>Reviewer Comment (2022-08-19): The letter provided does not detail how long the rental history was. | 08/31/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775579 | xxxxxx | 26477070 | xxxxxx | 08/17/2022 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the Executed Term Sheet. |  | Reviewer Comment (2022-08-19): Executed term sheet provided | 08/19/2022 |  |  | 1 | C A | C A | C | A D | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 775579 | xxxxxx | 26477071 | xxxxxx | 08/17/2022 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the Wire Ticket to Settlement Agent. |  | Reviewer Comment (2022-08-19): Wire Ticket provided | 08/19/2022 |  |  | 1 | C A | C A | C | A D | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 775579 | xxxxxx | 26523841 | xxxxxx | 08/17/2022 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | The signature page from the SFR Entity Borrower Rider is missing. |  | Reviewer Comment (2022-09-27): Completed document provided | 09/27/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 775579 | xxxxxx | 26523858 | xxxxxx | 08/17/2022 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Security Instrument does not reflect the box checked for the Entity Borrower Rider. Provide the corrected document, LOE to borrower, evidence of delivery to the borrower and lender's letter of intent to re-record. |  | Reviewer Comment (2022-09-28): LOE and delivery provided<br>Reviewer Comment (2022-09-27): Recorded mtg with correction to included rider provided, LOI verbiage on revised DOT. Pending receipt of LOE to borrower and evidence of delivery to the borrower. | 09/28/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 775579 | xxxxxx | 26524083 | xxxxxx | 08/17/2022 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | The Borrower's Credit and Background Authorization, completed Borrower Contact Form, and executed Property Management questionnaire were not provided. |  | Reviewer Comment (2022-08-23): Complete Borrower Contact Form, and executed Property Management questionnaire were provided hence clearing the Exception. Exception Cleared.<br>Reviewer Comment (2022-08-19): The Borrower Contact Sheet is only signed and not completed as well as the executed Property Management Questionnaire was not provided. | 08/23/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 775838 | xxxxxx | 26525008 | xxxxxx | 08/17/2022 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Provide the Loan Application. |  | Reviewer Comment (2022-08-18): Application provided | 08/18/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 775838 | xxxxxx | 26525023 | xxxxxx | 08/17/2022 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the Wire Ticket to Settlement Agent. |  | Reviewer Comment (2022-08-18): WT provided | 08/18/2022 |  |  | 1 | C A | C A | C | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 775838 | xxxxxx | 26525067 | xxxxxx | 08/17/2022 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the Executed Term Sheet. |  | Reviewer Comment (2022-08-19): Executed Term Sheet provided | 08/19/2022 |  |  | 1 | C A | C A | C | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 775843 | xxxxxx | 26484116 | xxxxxx | 08/17/2022 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Loan Application not provided |  | Reviewer Comment (2022-08-18): ACH, Background, Credit Authorization, Borrower Contact Sheet and executed Property Management Form provided. | 08/18/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 775843 | xxxxxx | 26525616 | xxxxxx | 08/17/2022 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the Wire Ticket to Settlement Agent. |  | Reviewer Comment (2022-08-18): Provided. Cleared. | 08/18/2022 |  |  | 1 | C A | C A | C | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 776003 | xxxxxx | 26500274 | xxxxxx | 08/18/2022 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx, Valuation Type: Desk Review / Valuation Report date: xxxxxx | Zip code on appraisal and CDA is xxxxxx; however, Note reflects Zip code as xxxxxx. |  | Reviewer Comment (2022-08-23): An updated appraisal and CDA were provided with the correct zip code. | 08/23/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776003 | xxxxxx | 26500309 | xxxxxx | 08/18/2022 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Zip code on blanket and HO6 policy reflects xxxxxx; however, Zip code on Note is xxxxxx. |  | Reviewer Comment (2022-08-24): Updated policies provided<br>Reviewer Comment (2022-08-24): The zip code on both the HO6 policy and master policy provided reflects xxxxxx for the subject address covered. Please have both corrected to reflect the zip code of xxxxxx as reflected on the Note to clear this condition.<br>Reviewer Comment (2022-08-23): Received same HO-6 policy as in original file. Zip code still reflects xxxxxx. Further, blanket policy not received. | 08/24/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776003 | xxxxxx | 26500314 | xxxxxx | 08/18/2022 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-08-23): The debt monitoring report was provided. | 08/23/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776003 | xxxxxx | 26500464 | xxxxxx | 08/18/2022 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  | Reviewer Comment (2022-08-18): Client elects to waive |  |  | 08/18/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776003 | xxxxxx | 26500465 | xxxxxx | 08/18/2022 | Compliance | Compliance | State Compliance | State HPML | xxxxxx HPML Threshold Test Compliant | xxxxxx Higher-Priced Mortgage Loan: APR on subject loan of 7.69760% or Final Disclosure APR of 8.23800% is in excess of allowable threshold of APOR 5.33% + 1.5%, or 6.83000% Compliant Higher Priced Loan. |  |  | Reviewer Comment (2022-08-18): Client elects to waive |  |  | 08/18/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | No obvious cure C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776003 | xxxxxx | 26500466 | xxxxxx | 08/18/2022 | Compliance | Compliance | State Compliance | Misc. State Level | xxxxxx Mortgage Lender and Broker Regulation (Ability to Repay not Verified) | xxxxxx Mortgage Lender and Broker Regulation: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable |  |  | Reviewer Comment (2022-08-18): Client elects to waive |  |  | 08/18/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776003 | xxxxxx | 26530041 | xxxxxx | 08/18/2022 | Credit | Guideline | Guideline Issue | Guideline | The minimum housing history was not met as required by guidelines for First Time Homebuyer. |  | Per guidelines, FTHB are required to have 0x30x12 housing history. Per final 1003, borrower is a FTHB living rent free, which does not meet the guideline requirement for a 0x30x12 housing history. | Borrower has been employed in the same industry for more than 5 years.<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. | Reviewer Comment (2022-08-26): Waived with compensating factors per investor request. |  |  | 08/26/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776003 | xxxxxx | 26530692 | xxxxxx | 08/18/2022 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Incorrect Appraisal Form type: Appraisal Form 1073/465 used for incorrect Subject property type. | Valuation Type: Appraisal / Valuation Report date: xxxxxx |  | Borrower has been employed in the same industry for more than 5 years.<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. | Reviewer Comment (2022-08-18): Client elects to waive |  |  | 08/18/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775166 | xxxxxx | 26508655 | xxxxxx | 08/19/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  | Reviewer Comment (2022-08-19): Client elects to waive |  |  | 08/19/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775166 | xxxxxx | 26508924 | xxxxxx | 08/19/2022 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 3.89 is less than Guideline PITIA months reserves of 4.00. |  |  | Reviewer Comment (2022-08-24): Received appraisal invoice reflecting borrower paid prior to closing.<br>Reviewer Comment (2022-08-23): The amount of cash to close the total that needs to be verified: $102,479.71 (Final CD page 1) + $625 (appraisal fee paid outside of closing) + $16,180 (EMD) = $119,284.71 <br> Verified Assets in the file total $132,854.36 minus $119,284.71 = $13,569.65 for reserves verified but $13,966.32 is needed. | 08/24/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775166 | xxxxxx | 26544283 | xxxxxx | 08/19/2022 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Missing evidence of property taxes for subject property. |  | Reviewer Comment (2022-08-23): Tax Certs was found in the file. | 08/23/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 771697 | xxxxxx | 26543712 | xxxxxx | 08/19/2022 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The guidelines require the color appraisalw/photos. The appraisal in file is black and white. |  | Reviewer Comment (2022-08-24): Color appraisal w/photos received , Exception Cleared | 08/24/2022 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 771697 | xxxxxx | 26543768 | xxxxxx | 08/19/2022 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The vesting on the DOT on page 1 is incorrect. The loan closed in 1 LLC vs 2 per the Note and Deed in file. Currently the vesting on the DOT reflects xxxxxx, xxxxxx Member, and xxxxxx. The loan closed in xxxxxx. The signature pages appears to be correct. Provide the corrected page 1 of the DOT, LOE to borrower, evidence of delivery to the borrower, and Lender's Letter of Intent to Re-Record. |  | Reviewer Comment (2022-09-06): Corrected Mortgage with letter of intent to re-record was provided.<br>Reviewer Comment (2022-09-02): No document received. Please provide the corrected mortgage, LOE to borrower, Evidence of delivery to the borrower and Lender's Letter of Intent to re-record. | 09/06/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 775923 | xxxxxx | 26516611 | xxxxxx | 08/22/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary xxxxxx) | Unable to determine when the Lender provided the Appraisal to the Borrower. |  | Reviewer Comment (2022-08-22): client elects to waive |  |  | 08/22/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775923 | xxxxxx | 26516612 | xxxxxx | 08/22/2022 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 10.32030% or Final Disclosure APR of 10.32100% is in excess of allowable threshold of APOR 5.61% + 1.5%, or 7.11000%. Non-Compliant Higher Priced Mortgage Loan. | Unable to determine when the Lender provided the Appraisal to the Borrower. |  | Reviewer Comment (2022-09-14): Appraisal delivery received<br>Reviewer Comment (2022-08-31): Loan file contains two appraisals - one with a date of xxxxxx and one with a report date of xxxxxx . File is missing evidence the final appraisal dated xxxxxx was provided to borrower. The appraisal delivery notice provided cannot be used for delivery of two separate appraisals. | 09/14/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775923 | xxxxxx | 26516613 | xxxxxx | 08/22/2022 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | Unable to determine when the Lender provided the Appraisal to the Borrower. |  | Reviewer Comment (2022-09-14): Appraisal delivery received<br>Reviewer Comment (2022-08-31): Loan file contains two appraisals - one with a date of xxxxxx and one with a report date of xxxxxx . File is missing evidence the final appraisal dated xxxxxx was provided to borrower. The appraisal delivery notice provided cannot be used for delivery of two separate appraisals. | 09/14/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775923 | xxxxxx | 26516614 | xxxxxx | 08/22/2022 | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.69882% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .69882%). |  |  | Reviewer Comment (2022-08-22): client elects to waive |  |  | 08/22/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775923 | xxxxxx | 26516617 | xxxxxx | 08/22/2022 | 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 Fee. Fee Amount of $770.00 exceeds tolerance of $650.00. Insufficient or no cure was provided to the borrower. (7506) | The COC for the Appraisal Fee increase is not valid because it does not list the reason for the fee increase. |  | Reviewer Comment (2022-08-31): SitusAMC received clarification from Seller. | 08/31/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775923 | xxxxxx | 26516618 | xxxxxx | 08/22/2022 | 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 $799.00 exceeds tolerance of $493.00. Insufficient or no cure was provided to the borrower. (8304) | No Change of Circumstance found in the loan file reflecting a valid reason or reasons for the fee increase. |  | Reviewer Comment (2022-08-31): SitusAMC upon further review, sufficient cure was provided at closing. | 08/31/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775923 | xxxxxx | 26591837 | xxxxxx | 08/22/2022 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-08-26): Received<br>Reviewer Comment (2022-08-24): Received Undisclosed Debt monitoring report. However to clear the condition we need Credit Gap report which is within 10 days prior to note dat xxxxxx or after closing date. Please provide a relevant credit Gap report. Exception remains. | 08/26/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775923 | xxxxxx | 26592214 | xxxxxx | 08/22/2022 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-08-24): Received fraud report with all red alerts addressed. Document attached. Exception cleared. | 08/24/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775923 | xxxxxx | 26714019 | xxxxxx | 08/31/2022 | 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 $799.00 exceeds tolerance of $493.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) |  |  | Reviewer Comment (2022-08-31): Sufficient Cure Provided At Closing |  | 08/31/2022 |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775923 | xxxxxx | 26827436 | xxxxxx | 09/14/2022 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2022-09-14): Client elects to waive |  |  | 09/14/2022 | 2 | B | B |  | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776227 | xxxxxx | 26517481 | xxxxxx | 08/22/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | Documentation in file reflects appraisal emailed to borrower on xxxxxx ; however, no acknowledgment of receipt by borrower. Applying 3 day mailbox rule, appraisal received xxxxxx , which is less than 3 days prior to consummation. |  | Reviewer Comment (2022-08-22): Client elects to waive |  |  | 08/22/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776227 | xxxxxx | 26517487 | xxxxxx | 08/22/2022 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.97640% or Final Disclosure APR of 7.97300% is in excess of allowable threshold of APOR 5.37% + 2.5%, or 7.87000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2022-08-30): Appraisal delivery received | 08/30/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776227 | xxxxxx | 26517582 | xxxxxx | 08/22/2022 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | The Borrower did not receive a copy of the Appraisal within 3 Business Days prior to Consummation. |  | Reviewer Comment (2022-08-30): Appraisal delivery received | 08/30/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776227 | xxxxxx | 26517629 | xxxxxx | 08/22/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Finance charge under-disclosed by $414.00. |  | Reviewer Comment (2022-09-07): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD.<br>Reviewer Comment (2022-08-30): The E-Doc fee and Messenger fee charged in section H and paid to the broker are tested as finance charges. Please provide cure: PCCD, LOE, Copy of refund check and proof mailing to complete testing. |  | 09/07/2022 |  | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | 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 | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 776227 | xxxxxx | 26594581 | xxxxxx | 08/22/2022 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2022-08-31): Received Title Supplement reflecting the Loan amount. Exception Cleared. | 08/31/2022 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776227 | xxxxxx | 26793834 | xxxxxx | 09/07/2022 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure – 130(b) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for xxxxxx transfer Fee. Fee Amount of $175.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. (75225) | Sufficient cure provided at closing. |  | Reviewer Comment (2022-09-07): SitusAMC received PCCD, LOE, copy of refund check and proof of mailing. |  | 09/07/2022 |  | 2 | B | B |  | B | xxxxxx | xxxxxx | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775587 | xxxxxx | 26531084 | xxxxxx | 08/24/2022 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx, Valuation Type: Desk Review / Valuation Report date: xxxxxx | The Appraisal and CDA are missing xxxxxx in the address. |  | Reviewer Comment (2022-09-07): Updated CDA provided<br>Reviewer Comment (2022-09-02): Only missing the CDA now. | 09/07/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 775587 | xxxxxx | 26531770 | xxxxxx | 08/24/2022 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Per purchase contract, leases are transferring. |  | Reviewer Comment (2022-08-29): Estoppel's provided<br>Reviewer Comment (2022-08-29): Lease agreement was not found in trailing documents for xxxxxx Please try uploading again. | 08/29/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 776581 | xxxxxx | 26641659 | xxxxxx | 08/30/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Missing the List of Homeownership Counseling Organizations. The list in the loan file is not dated. |  | Reviewer Comment (2022-08-29): Client elects to waive |  |  | 08/29/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776581 | xxxxxx | 26642392 | xxxxxx | 08/30/2022 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $400,567.23 is less than Cash From Borrower $403,748.04. |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years. | Reviewer Comment (2022-09-06): Waived with compensating factors per investor request.<br>Reviewer Comment (2022-09-01): The PC-CD and Final SS were provided, however condition remains. Cash to close is calculated as funds to close + EMD + POCB fees ($645 appraisal fee) + any adjustments on the page 3 of the CD ($4,000 debits to commissions listed). Investor can consider waiving.<br>Reviewer Comment (2022-08-31): A PCCD cannot be used for final cash to close, as it is a lender generated document. Please provide final stamped or signed closing statement from settlement agent. |  |  | 09/06/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776410 | xxxxxx | 26650537 | xxxxxx | 08/30/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xxxxxx not received by borrower at least four (4) business days prior to closing. (Interim xxxxxx) | Revised Loan Estimate provided on xxxxxx not received by borrower at least four (4) business days prior to closing. |  | Reviewer Comment (2022-09-01): SitusAMC received proof of earlier electronic receipt to meet timing | 09/01/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776410 | xxxxxx | 26650539 | xxxxxx | 08/30/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial xxxxxx) | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  | Reviewer Comment (2022-09-01): SitusAMC received e-Signed consent Date xxxxxx . | 09/01/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776410 | xxxxxx | 26701266 | xxxxxx | 08/30/2022 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-09-01): Received Credit Gap Report dated xxxxxx Document attached. Exception cleared. | 09/01/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 772323 | xxxxxx | 26672251 | xxxxxx | 09/01/2022 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.01 is less than Guideline PITIA months reserves of 2.00. |  | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-10-03): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-29): The bank statements for accounts xxxxxx were added. The total balance in these accounts combined are $1,386.24. The borrower does not have sufficient reserves.<br>Reviewer Comment (2022-09-29): Exception Explanation Updated from: Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 2.00.<br>Reviewer Comment (2022-09-22): Updated statement provided for account xxxxxx. Utilizing deposits/withdrawals up until closing 8/2022. Borrower has no funds in this account anymore. Account xxxxxx cannot be considered as it is post closing.<br>Reviewer Comment (2022-09-22): Exception Explanation Updated from: Calculated PITIA months reserves of 1.57 is less than Guideline PITIA months reserves of 2.00.<br>Reviewer Comment (2022-09-20): Post-close documentation is not acceptable.<br>Reviewer Comment (2022-09-06): No additional assets were found the same accounts that were in the file were provided. |  |  | 09/17/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 772323 | xxxxxx | 26672266 | xxxxxx | 09/01/2022 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  |  | Reviewer Comment (2022-09-06): A corrected title commitment with the correct coverage was provided. | 09/06/2022 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 772323 | xxxxxx | 26702789 | xxxxxx | 09/01/2022 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Flood Insurance Policy and Hazard Insurance Policy does not reflect the Entity as insured. |  | Reviewer Comment (2022-09-06): A corrected flood insurance policy was provided. | 09/06/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 772323 | xxxxxx | 26702857 | xxxxxx | 09/01/2022 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the updated 1003 reflecting borrower is Non-Perm Resident per EAD and Passport in file. |  | Reviewer Comment (2022-09-06): A corrected 1003 was provided. | 09/06/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 772323 | xxxxxx | 26702941 | xxxxxx | 09/01/2022 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-xxxxxx Citizen Status not provided |  | Borrower is a Non-Perm Resident per the EAD and Passport in file. However, both the Passport and EAD have expired as well as the VISA was not provided. |  | Reviewer Comment (2022-09-08): Renewed Drivers license received and also Notice of EAD. Exception Cleared.<br>Reviewer Comment (2022-09-08): Renewed Drivers license received. Please provide EAD, Passport or Visa. Exception Remains. | 09/08/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 772323 | xxxxxx | 26703178 | xxxxxx | 09/01/2022 | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. | Borrower: xxxxxx | Entity Loans: Personal Guaranties from community property states xxxxxx must be accompanied with a Spousal Consent to Pledge. |  | Reviewer Comment (2022-09-12): Spousal consent provided<br>Reviewer Comment (2022-09-08): Spousal Consent form not in file. Please Try Re-uploading. Exception Remains. | 09/12/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 772323 | xxxxxx | 26873050 | xxxxxx | 09/22/2022 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $0.00 is less than Cash From Borrower $1,333.68. |  |  | Reviewer Comment (2022-09-29): Bank statements provided for cash to close<br>Reviewer Comment (2022-09-22): Updated statement provided for account xxxxxx. Utilizing deposits/withdrawals up until closing 8/2022. Borrower has no funds in this account anymore. Account xxxxxx cannot be considered as it is post closing. | 09/29/2022 |  |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 775881 | xxxxxx | 26714147 | xxxxxx | 09/06/2022 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Third Party Verification | Missing third party verification of borrower's ownership percentage of business using xxxxxx account xxxxxx to qualify. |  | Reviewer Comment (2022-09-12): Articles of Org provided. Only member. | 09/12/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775881 | xxxxxx | 26715016 | xxxxxx | 09/06/2022 | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.95966% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.95966%). |  |  | Reviewer Comment (2022-09-06): Client elects to waive |  |  | 09/06/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775881 | xxxxxx | 26715020 | xxxxxx | 09/06/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List provided; however, it was not dated as required. |  | Reviewer Comment (2022-09-06): Client elects to waive |  |  | 09/06/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775881 | xxxxxx | 26715029 | xxxxxx | 09/06/2022 | 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. | Due to missing third party verification of borrower's ownership percentage of business using xxxxxx account xxxxxx to qualify. |  | Reviewer Comment (2022-09-12): Articles of Org provided. Only member. | 09/12/2022 |  |  | 1 | B A C | B A | C | A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775881 | xxxxxx | 26715031 | xxxxxx | 09/06/2022 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Due to missing third party verification of borrower's ownership percentage of business using xxxxxx account xxxxxx to qualify. |  | Reviewer Comment (2022-09-12): Articles of Org provided. Only member. | 09/12/2022 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775881 | xxxxxx | 26715035 | xxxxxx | 09/06/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. (xxxxxx, xxxxxx , xxxxxx Statements) | Missing Third Party Verification or CPA Letter verifying borrower's ownership percentage for this income source. |  | Reviewer Comment (2022-09-12): Articles of Org provided. Only member. | 09/12/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775881 | xxxxxx | 26715088 | xxxxxx | 09/06/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Calculated finance charge underdisclosed by $294.20. |  | Reviewer Comment (2022-09-15): SitusAMC received documentation of fees.<br>Reviewer Comment (2022-09-08): The AVM fee and the Condo Certification would be considered finance charges. Cure is required. | 09/15/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | 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) B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775881 | xxxxxx | 26715102 | xxxxxx | 09/06/2022 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure. |  |  | Reviewer Comment (2022-09-06): Client elects to waive |  |  | 09/06/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775881 | xxxxxx | 26799117 | xxxxxx | 09/08/2022 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) |  |  | Reviewer Comment (2022-09-15): Received evidence AVM paid to third party. | 09/15/2022 |  |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775881 | xxxxxx | 26799118 | xxxxxx | 09/08/2022 | 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 |  |  | Reviewer Comment (2022-09-15): Received evidence AVM paid to third party. | 09/15/2022 |  |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775881 | xxxxxx | 26799119 | xxxxxx | 09/08/2022 | 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. |  |  | Reviewer Comment (2022-09-15): Received evidence AVM paid to third party. | 09/15/2022 |  |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775881 | xxxxxx | 26799120 | xxxxxx | 09/08/2022 | 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. |  |  | Reviewer Comment (2022-09-15): Received evidence AVM paid to third party. | 09/15/2022 |  |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775881 | xxxxxx | 26799121 | xxxxxx | 09/08/2022 | 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 5.09744% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an allowable total of xxxxxx (an overage of xxxxxx or .09744%). Non-Compliant High Cost Loan. |  |  | Reviewer Comment (2022-09-15): Received evidence AVM paid to third party. | 09/15/2022 |  |  | 1 | A | A |  | A | xxxxxx | xxxxxx | 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 | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775881 | xxxxxx | 26799122 | xxxxxx | 09/08/2022 | 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. |  |  | Reviewer Comment (2022-09-15): Received evidence AVM paid to third party. | 09/15/2022 |  |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775881 | xxxxxx | 26799123 | xxxxxx | 09/08/2022 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (ATR - Employment: Bank Statements) | 2014 High-Cost Mortgage (Closed-end ATR): Unable to verify current employment status using reasonably reliable third-party records. (xxxxxx, xxxxxx , xxxxxx Statements) |  |  | Reviewer Comment (2022-09-12): Articles of Org provided. Only member. | 09/12/2022 |  |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775881 | xxxxxx | 26799127 | xxxxxx | 09/08/2022 | 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 HOA/Condo Questionnaire. Fee Amount of $150.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (817149) | Cure nor valid COC provided |  | Reviewer Comment (2022-09-15): SitusAMC received documentation of fees.<br>Reviewer Comment (2022-09-14): SitusAMC upon further review as per the COC additional services was charged as per title report and title report is dated xxxxxx and fee charged on xxxxxx which is not within 3 days of the title report. Please provide valid COC with additional information or please provide cure documents. | 09/15/2022 |  |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775881 | xxxxxx | 26799128 | xxxxxx | 09/08/2022 | 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 AVM. Fee Amount of $144.20 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (81724) | Cure nor valid COC provided |  | Reviewer Comment (2022-09-15): SitusAMC received documentation of fees.<br>Reviewer Comment (2022-09-15): SitusAMC - Upon further review as per the COC additional services were charged as per title report and title report is dated xxxxxx and fee was charged on xxxxxx which is not within 3 days of the title report. Also, provided invoices do not validate why the fee was charged. Please provide valid COC with additional information or provide cure documents. | 09/15/2022 |  |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773664 | xxxxxx | 26721568 | xxxxxx | 09/07/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  | Reviewer Comment (2022-09-07): Client elects to waive |  |  | 09/07/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 773664 | xxxxxx | 26793837 | xxxxxx | 09/07/2022 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | Guidelines require gap report dated no more than 10 days prior to loan closing, or any time after. UDM on Fraud Report provided is dated xxxxxx , which is more than 10 days prior to closing. |  | Reviewer Comment (2022-09-09): Received UDM report dated xxxxxx Document attached. Exception cleared. | 09/09/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 774898 | xxxxxx | 26722992 | xxxxxx | 09/06/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | Missing document providing that the Borrower received a copy of the Appraisal for the timing requirements. |  | Reviewer Comment (2022-09-06): Client elects to waive |  |  | 09/06/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774898 | xxxxxx | 26732790 | xxxxxx | 09/06/2022 | 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 $10,237.50 exceeds tolerance of $3,125.00. Insufficient or no cure was provided to the borrower. (7200) | The Loan Discount Points exceed tolerance without a Valid Change of Circumstance. |  | Reviewer Comment (2022-09-08): SitusAMC Received copy of CD and COC dated xxxxxx with a valid reason for change | 09/08/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774898 | xxxxxx | 26734982 | xxxxxx | 09/06/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Irregular Transactions Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xxxxxx contains a change in APR and was not received by borrower at least three (3) business days prior to consummation | The Closing Disclosure dated xxxxxx contains a change in the APR and was not received by the Borrower at least 3 Business days prior to consummation. |  | Reviewer Comment (2022-09-08): SitusAMC received xxxxxx. | 09/08/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | TRID timing exception, no remediation available. C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774898 | xxxxxx | 26737890 | xxxxxx | 09/06/2022 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Maximum Loan Amount discrepancy. | Note loan amount of xxxxxx is greater than Guideline maximum loan amount of $1,000,000.00. | Maximum Loan amount of $1,000,000.00 allowed per Lender Guidelines due to the Representative FICO score of 640 is less than the Guidelines requirement score of 660. An investor exception is in file to allow the Loan Amount of $xxxxxx. | Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years.<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 qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2022-09-06): Waived with compensating factors per investor exception request in file. |  |  | 09/06/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774898 | xxxxxx | 26765546 | xxxxxx | 09/06/2022 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | Per guidelines, a minimum borrower seasoning of 6 months is required for a cash-out refinance. Borrower was added to title 8 days prior to Note date and loan is a cash-out refinance transaction. Loan file contains investor exception request. | Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years.<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 qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2022-09-06): Waived with compensating factors per investor exception request in file. |  |  | 09/06/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 774898 | xxxxxx | 26775795 | xxxxxx | 09/06/2022 | 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 $565.00 exceeds tolerance of $266.00 plus 10% or $292.60. Insufficient or no cure was provided to the borrower. xxxxxx | Ten percent fee tolerance exceeded. |  | Reviewer Comment (2022-09-14): SitusAMC received corrected PCCD, LOE, copy of refund check and Proof of mailing.<br>Reviewer Comment (2022-09-12): SitusAMC received Post CD,LOX, Copy of refund check and shipping label. Tracking indicates the label has been created. However, it has not been picked up for shipping. Proof of mailing is required to cure the exception. |  | 09/14/2022 |  | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 774898 | xxxxxx | 26775796 | xxxxxx | 09/06/2022 | 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 Title - Settlement / Closing / Escrow Fee. Fee Amount of $1,295.00 exceeds tolerance of $950.00. Insufficient or no cure was provided to the borrower. (7561) | Zero percent fee tolerance exceeded. CoC provided does not list valid reason for increase in fee. |  | Reviewer Comment (2022-09-14): SitusAMC received corrected PCCD, LOE, copy of refund check and Proof of mailing.<br>Reviewer Comment (2022-09-12): SitusAMC received Post CD,LOX, Copy of refund check and shipping label. Tracking indicates the label has been created. However, it has not been picked up for shipping. Proof of mailing is required to cure the exception. |  | 09/14/2022 |  | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 776817 | xxxxxx | 26744856 | xxxxxx | 09/08/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial xxxxxx) | Loan Estimate dated xxxxxx was electronically provided to borrower prior to obtaining e-consent on xxxxxx . |  | Reviewer Comment (2022-09-28): Client elects to waive. SOL 1 year expires xxxxxx <br>Reviewer Comment (2022-09-13): SitusAMC - The consumer went through the eConsent process on xxxxxx , the consumer acknowledged the receipt of the LE on xxxxxx . But the loan application date was xxxxxx . In the event the consumer had not provided eConsent by xxxxxx , then the lender should have sent the consumer the Loan Estimate through another means in accordance with the official interpretation reflected in Comment 19(e)(1)(iv)-2. Please provide an e-consent prior to xxxxxx or proof of alternate method used for sending initial LE to borrower such as xxxxxx/mail etc. Exception remains. |  |  | 09/28/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | D B C A | C | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776817 | xxxxxx | 26744925 | xxxxxx | 09/08/2022 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 | Loan is to be securitized, however a secondary valuation was not provided in file. |  | Reviewer Comment (2022-09-13): CDA Received. Exception Cleared. | 09/13/2022 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Primary | Purchase | D B C A | C | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776817 | xxxxxx | 26798116 | xxxxxx | 09/08/2022 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-09-12): Gap report provided | 09/12/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B C A | C | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776817 | xxxxxx | 26815027 | xxxxxx | 09/13/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary xxxxxx) |  |  | Reviewer Comment (2022-09-13): Client elects to waive |  |  | 09/13/2022 | 2 | B | B |  | B | xxxxxx | xxxxxx | Primary | Purchase | D B C A | C | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775590 | xxxxxx | 26757079 | xxxxxx | 09/12/2022 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Missing proof of payment of the last 6 months rental history. Any VOR completed by a private-party or non-institutional landlord, must be supported by alternative documentation showing the most recent 6-month cancelled checks. |  | Reviewer Comment (2022-09-14): Received deposit receipts reflecting monthly rent payment of $3,695 from Jan 2022 to June 2022. Document attached. Exception cleared. | 09/14/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775590 | xxxxxx | 26758143 | xxxxxx | 09/12/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | Provide evidence of delivery of the appraisal within 3 business days prior to closing. |  | Reviewer Comment (2022-09-12): Client elects to waive |  |  | 09/12/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775590 | xxxxxx | 26758144 | xxxxxx | 09/12/2022 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.48630% or Final Disclosure APR of 8.48700% is in excess of allowable threshold of APOR 5.37% + 2.5%, or 7.87000%. Non-Compliant Higher Priced Mortgage Loan. | Provide evidence of delivery of the appraisal within 3 business days prior to closing. |  | Reviewer Comment (2022-09-15): Received appraisal delivery for preliminary and final appraisal reports.<br>Reviewer Comment (2022-09-14): The origination appraisal was provided completed xxxxxx The document provided for delivery of that appraisal is not acceptable as there are no details on where or to who the appraisal was delivered. Further, on HPML loans, the updated appraisal must also be delivered to the borrower as well. Will also need evidence of delivery of that appraisal completed xxxxxx  | 09/15/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775590 | xxxxxx | 26758145 | xxxxxx | 09/12/2022 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | Provide evidence of delivery of the appraisal within 3 business days prior to closing. |  | Reviewer Comment (2022-09-15): Received appraisal delivery for preliminary and final appraisal reports.<br>Reviewer Comment (2022-09-14): The origination appraisal was provided completed xxxxxx The document provided for delivery of that appraisal is not acceptable as there are no details on where or to who the appraisal was delivered. Further, on HPML loans, the updated appraisal must also be delivered to the borrower as well. Will also need evidence of delivery of that appraisal completed xxxxxx  | 09/15/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775590 | xxxxxx | 26761345 | xxxxxx | 09/12/2022 | 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 Loan Discount Points. Fee Amount of $11,028.75 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7200) | No Change of Circumstance found in the loan file reflecting a valid reason or reasons for the fee increase. Changed Circumstance in the file does not reflect the reason the fee must increase. |  | Reviewer Comment (2022-09-06): Sufficient Cure Provided At Closing |  | 09/06/2022 |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775590 | xxxxxx | 26761346 | xxxxxx | 09/12/2022 | 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 $600.00 exceeds tolerance of $530.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | No Change of Circumstance found in the loan file reflecting a valid reason or reasons for the fee increase. Changed Circumstance in the file does not reflect the reason the fee must increase. |  | Reviewer Comment (2022-09-06): Sufficient Cure Provided At Closing |  | 09/06/2022 |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775590 | xxxxxx | 26822266 | xxxxxx | 09/14/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-09-14): Client elects to waive |  |  | 09/14/2022 | 2 | B | B |  | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775590 | xxxxxx | 26822267 | xxxxxx | 09/14/2022 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2022-09-15): Received appraisal delivery for preliminary and final appraisal reports.<br>Reviewer Comment (2022-09-14): The origination appraisal was provided completed xxxxxx The document provided for delivery of that appraisal is not acceptable as there are no details on where or to who the appraisal was delivered. Further, on HPML loans, the updated appraisal must also be delivered to the borrower as well. Will also need evidence of delivery of that appraisal completed xxxxxx  | 09/15/2022 |  |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775590 | xxxxxx | 26831334 | xxxxxx | 09/15/2022 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2022-09-15): Client elects to waive |  |  | 09/15/2022 | 2 | B | B |  | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776412 | xxxxxx | 26757535 | xxxxxx | 09/12/2022 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification, Statement, Tax Verification | Mortgage payment on credit report, however does not specify if taxes and insurance are included or if there are any HOA dues. Provide the mortgage statement verifying the payment contains taxes and insurance and provide evidence no HOA dues on the property. |  | Reviewer Comment (2022-09-14): Received Mortgage Statement. Tax Certificate and Hazard Insurance. | 09/14/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776412 | xxxxxx | 26757911 | xxxxxx | 09/12/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-09-12): Client elects to waive |  |  | 09/12/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Second Home | Purchase | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776892 | xxxxxx | 26796325 | xxxxxx | 09/13/2022 | Compliance | Compliance | Federal Compliance | GSE | xxxxxx Points and Fees | xxxxxx Points and Fees on subject loan of 6.61400% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and xxxxxx (2022). xxxxxx Finance Charge total xxxxxx on a Original Loan Amount of xxxxxx vs. an allowable total of xxxxxx and xxxxxx (2022) (an overage of xxxxxx or 1.61400%). |  |  | Reviewer Comment (2022-09-13): Client elects to waive |  |  | 09/13/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | B | B | N/A | N/A | Yes | Mortgagor Focused |
| xxxxxx | 776892 | xxxxxx | 26797502 | xxxxxx | 09/13/2022 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | Missing Credit Report Gap. |  | Reviewer Comment (2022-09-16): Received UDM report dated xxxxxx Exception cleared. | 09/16/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 776892 | xxxxxx | 26797561 | xxxxxx | 09/13/2022 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx | There is a high impact variance on the fraud report that is yet to be addressed. |  | Reviewer Comment (2022-09-16): Received Fraud Report dated xxxxxx addressing all the red flags. Exception cleared. | 09/16/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 776892 | xxxxxx | 26797778 | xxxxxx | 09/13/2022 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment | Missing title final. |  | Reviewer Comment (2022-10-27): Received Title Final. | 10/27/2022 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 776892 | xxxxxx | 26797791 | xxxxxx | 09/13/2022 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Missing verification of rent/mortgage, only eight months housing history was provided on the credit report. |  | Reviewer Comment (2022-09-30): Housing history was documented. | 09/30/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 776892 | xxxxxx | 26797846 | xxxxxx | 09/13/2022 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. | Title policy amount of xxxxxx is less than the original loan amount of xxxxxx, provide an updated policy. |  | Reviewer Comment (2022-10-26): Final Title Policy received with Insured amount of xxxxxx, Exception Cleared | 10/26/2022 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 776892 | xxxxxx | 26798003 | xxxxxx | 09/13/2022 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Lender on Appraisal differs from note, however an appraisal transfer letter was not provided in the loan file. | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-09-13): client elects to waive |  |  | 09/13/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 776892 | xxxxxx | 26798019 | xxxxxx | 09/13/2022 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Account Statements | Per guidelines for rental income on alternative documentation loans, the 2 months most recent bank statements must be provided reflecting the rental income going into a separate account than that used for income qualifying. If the rental payment is being deposited into the same account as that used for income qualifying, the full PITIA of the property must be included in borrower's DTI. Missing evidence of the rental payments for the REO on xxxxxx |  | Reviewer Comment (2022-09-30): The rental income was removed and the full payment was applied to the DTI. | 09/30/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 776892 | xxxxxx | 26798054 | xxxxxx | 09/13/2022 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 5.75 is less than Guideline PITIA months reserves of 6.00. | Calculated PITIA months reserves of 5.75 is less than guideline required PITIA months reserves of 6.00. |  | Reviewer Comment (2022-09-19): Additional assets provided | 09/19/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 777361 | xxxxxx | 26792701 | xxxxxx | 09/13/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xxxxxx contains a change in APR and was not received by borrower at least three (3) business days prior to consummation |  |  | Reviewer Comment (2022-09-16): SitusAMC received proof of receipt. | 09/16/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777361 | xxxxxx | 26819059 | xxxxxx | 09/13/2022 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Third Party Verification | Loan file is missing third party verification that business has been in existence for two years, as required by guidelines. |  | Reviewer Comment (2022-09-19): Exception is cleared received Business Entity that reflects two year of existence as required by the guidelines. | 09/19/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775269 | xxxxxx | 26814963 | xxxxxx | 09/16/2022 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Hazard policy does not list lender and its successors and assigns as required per guidelines. |  | Reviewer Comment (2022-09-21): Updated HOI provided<br>Reviewer Comment (2022-09-21): The HOI provided still does not reflect the ISAOA<br>Reviewer Comment (2022-09-20): Received the same duplicate HOI policy , page 5 shows only Lender name and Address , ISAOA is missing in the Mortgagee clause, no additional document received , Exception Remains | 09/21/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775269 | xxxxxx | 26826796 | xxxxxx | 09/16/2022 | Compliance | Compliance | State Compliance | State HPML | xxxxxx Subprime Home Loan Threshold Fixed Compliant | xxxxxx Subprime Loan: APR on subject loan of 9.08580% or Final Disclosure APR of 9.15800% is in excess of allowable threshold of Prime Mortgage Market Rate 5.22000 + 1.75%, or 6.97000%. Compliant SubPrime Loan. |  |  | Reviewer Comment (2022-09-16): Client elects to waive |  |  | 09/16/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | (Limited Use Bona Fide Errors - Compliance and Client Approval Required) With no time limit for which a cure may be made, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the subprime home loan threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775269 | xxxxxx | 26826798 | xxxxxx | 09/16/2022 | 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 $1,685.00 exceeds tolerance of $1,300.00 plus 10% or $1,430.00. Insufficient or no cure was provided to the borrower. xxxxxx | Ten Percent Fee Tolerance exceeded. |  | Reviewer Comment (2022-09-23): SitusAMC received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check. |  | 09/23/2022 |  | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775269 | xxxxxx | 26826799 | xxxxxx | 09/16/2022 | 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 $680.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | Zero Percent Fee Tolerance exceeded |  | Reviewer Comment (2022-09-20): SitusAMC received COC dated xxxxxx . | 09/20/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 775269 | xxxxxx | 26826861 | xxxxxx | 09/16/2022 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 5.88 is less than Guideline PITIA months reserves of 6.00. |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2022-09-26): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-22): The investor exception provided only covers FTHB housing history rent free. It does not cover short reserves. |  |  | 09/26/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775269 | xxxxxx | 26840894 | xxxxxx | 09/16/2022 | Credit | Guideline | Guideline Issue | Guideline | The minimum housing history was not met as required by guidelines for First Time Homebuyer. |  | Per guidelines, first time homebuyers are required to document a 0x30x12 housing history. Per final 1003, borrower is residing rent free, which does not meet this requirement. Loan file contains investor exception request; however, the comp factors are incorrect. LTV is not 10% or more below guideline maximum. | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2022-09-21): Client elects to waive with verified compensation factors |  |  | 09/21/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 775269 | xxxxxx | 26843226 | xxxxxx | 09/16/2022 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-09-23): Received fraud report dated xxxxxx clearing all the red flags. Exception cleared.<br>Reviewer Comment (2022-09-21): An older Fraud Report outside of what was in file at time of review was provided. Red flag are not cleared and no clearance report was provided. | 09/23/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777698 | xxxxxx | 26815831 | xxxxxx | 09/19/2022 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Provide the Executive Summary Sheet. |  | Reviewer Comment (2022-09-22): Exception is cleared received Executive Summary Sheet. | 09/22/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 777698 | xxxxxx | 26851517 | xxxxxx | 09/19/2022 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  |  |  | Reviewer Comment (2022-09-21): Lease provided | 09/21/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 777698 | xxxxxx | 26851532 | xxxxxx | 09/19/2022 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the Wire Ticket to Settlement Agent. |  | Reviewer Comment (2022-09-21): Wire ticket provided | 09/21/2022 |  |  | 1 | C A | C A | C | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 776969 | xxxxxx | 26829463 | xxxxxx | 09/20/2022 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Title Policy amount is missing in the provided Title Preliminary report |  | Reviewer Comment (2022-09-22): Exception is cleared received supplement report with coverage amount | 09/22/2022 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Purchase | C B | B | B | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 776969 | xxxxxx | 26834265 | xxxxxx | 09/20/2022 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Lender on Appraisal differs from note, however an appraisal transfer letter was not provided in the loan file. | 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 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. | Reviewer Comment (2022-09-16): client elects to waive |  |  | 09/16/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | B | B | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 776969 | xxxxxx | 26834302 | xxxxxx | 09/20/2022 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | Missing Credit Report Gap. |  | Reviewer Comment (2022-09-22): Received UDM report dated xxxxxx Exception cleared. | 09/22/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | B | B | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 776969 | xxxxxx | 26834607 | xxxxxx | 09/20/2022 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 52.64986% exceeds Guideline total debt ratio of 50.00000%. | Calculated DTI of 52.64986% exceeds guideline allowable maximum of 50.000%. This is due to the Lender used a 1.25% tax rate to calculate property taxes; however, a tax rate of 5.064121% was documented in the loan file for the subject property. Property taxes increased from xxxxxx per month to xxxxxx per month based on this calculation. | 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 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. | Reviewer Comment (2022-10-03): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-26): A TRA is not acceptable. We need the actual tax rate for the subject property. The tax document in file is for the subject property which reflects a tax rate of 5.064121% vs general xxxxxx Area.<br>Reviewer Comment (2022-09-22): The tax cert provided does not reflect the tax rate for the county. The preceding document provided is not acceptable as it does not specify where this came from nor the property address. |  |  | 10/03/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | B | B | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 776969 | xxxxxx | 26834632 | xxxxxx | 09/20/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | An acknowledgement of receipt of appraisal was not provided to the borrowers within three business days prior to consummation. |  | Reviewer Comment (2022-09-16): client elects to waive |  |  | 09/16/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | B | B | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 777895 | xxxxxx | 26860499 | xxxxxx | 09/21/2022 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Application consists of: Executed ACH, Borrower's Contact Sheet, Background and Credit Authorization, and Property Management Questionnaire. |  | Reviewer Comment (2022-09-23): All listed documents provided. Refer doc id # xxxxxx. Hence, exception cleared.<br>Reviewer Comment (2022-09-22): Received signed Loan Term Summary for the borrower. However unable to identify the date of the document by borrower. Please provide a relevant document which is signed and dated. Exception remains. | 09/23/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 777895 | xxxxxx | 26866162 | xxxxxx | 09/21/2022 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the Investment Affidavit. |  | Reviewer Comment (2022-09-22): Exception is cleared received Investment Affidavit document | 09/22/2022 |  |  | 1 | C A | C A | C | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 777895 | xxxxxx | 26866168 | xxxxxx | 09/21/2022 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  |  |  | Reviewer Comment (2022-09-26): Exception is cleared received Non-Owner Occupancy Declaration<br>Reviewer Comment (2022-09-22): The document provided is the BP Cert vs. NOO cert. | 09/26/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 777895 | xxxxxx | 26866202 | xxxxxx | 09/21/2022 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the Executed Term Sheet. |  | Reviewer Comment (2022-09-22): Term sheet is provided in file (DOC ID # xxxxxx) | 09/22/2022 |  |  | 1 | C A | C A | C | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 776356 | xxxxxx | 26854130 | xxxxxx | 09/22/2022 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  |  | 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>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. | Reviewer Comment (2022-09-30): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-30): xxxxxx allows escrow instructions for PC. Updated appraisal and escrow instructions provided for purchase contract, however the amended escrow instructions regarding buyers vesting and 1031 exchange was not signed and dated by th buyers and sellers.<br>Reviewer Comment (2022-09-27): Escrow instructions are not acceptable and a purchase contract is required. The investor can elect to waive.<br>Reviewer Comment (2022-09-26): Being sold directly by the owner has no bearing on a purchase contract. A purchase contract is still required. |  |  | 09/30/2022 | 2 | D B | D B | D | B D | xxxxxx | xxxxxx | Primary | Purchase | D B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776356 | xxxxxx | 26854195 | xxxxxx | 09/22/2022 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  |  |  | Reviewer Comment (2022-09-26): Received VOR for borrowers current rented property along with most recent 6 months cancelled checks. Documents attached. Exception cleared. | 09/26/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776356 | xxxxxx | 26854381 | xxxxxx | 09/22/2022 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-09-26): Received underwriters' cert explaining the red flags. All the red flags are addressed. Exception cleared. | 09/26/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778173 | xxxxxx | 26861487 | xxxxxx | 09/23/2022 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | Guidelines require a gap credit report. No gap report was located in file. |  | Reviewer Comment (2022-09-28): Received UDM report dated xxxxxx Exception cleared. | 09/28/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778173 | xxxxxx | 26861607 | xxxxxx | 09/23/2022 | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.97444% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.97444%). | QM Points and Fees threshold exceeded by xxxxxx or 1.97444%. Loan was consummated after xxxxxx For loans consummated after this date, there is no longer any cure mechanism available for QM points and fees violations. |  | Reviewer Comment (2022-09-21): The client elects to waive. |  |  | 09/21/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | B | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777312 | xxxxxx | 26866934 | xxxxxx | 09/23/2022 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  | 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>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | Reviewer Comment (2022-09-30): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-09-28): Lender would like to waive<br>Reviewer Comment (2022-09-27): The loan closed in an Entity which is guaranteed by an individual. Guaranty agreement is required. |  |  | 09/30/2022 | 2 | D B | D B | D | B D | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 777312 | xxxxxx | 26866935 | xxxxxx | 09/23/2022 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  | Reviewer Comment (2022-09-28): Bylaws provided | 09/28/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 777718 | xxxxxx | 26874588 | xxxxxx | 09/27/2022 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception in file for 25% of the total units in the project are 60 days or more past due on the HOA fees which exceeds the guidelines of 20% and at least 10% of the annual budget does not provide for funding replacement reserves, capital expenditures, deferred maintenance and insurance deductibles. | 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 mortgage payment has decreased by at least 20%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2022-10-03): Client elects to waive with verified compensation factors |  |  | 10/03/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | D B | C | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777718 | xxxxxx | 26874658 | xxxxxx | 09/27/2022 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  | Reviewer Comment (2022-10-03): Appraisal provided | 10/03/2022 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Primary | Purchase | D B | C | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777718 | xxxxxx | 26874700 | xxxxxx | 09/27/2022 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx<br> Disaster End date: xxxxxx | Disaster Name: xxxxxx<br> Disaster Declaration Date: xxxxxx <br> Disaster End Date: xxxxxx |  | Reviewer Comment (2022-10-03): Appraisal provided. Completed after disaster | 10/03/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B | C | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777718 | xxxxxx | 26874831 | xxxxxx | 09/27/2022 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2022-10-03): Appraisal provided | 10/03/2022 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Primary | Purchase | D B | C | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777718 | xxxxxx | 26877365 | xxxxxx | 09/27/2022 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.85170% or Final Disclosure APR of 8.88200% is in excess of allowable threshold of APOR 5.62% + 1.5%, or 7.12000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2022-10-03): Appraisal provided | 10/03/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B | C | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777718 | xxxxxx | 26877366 | xxxxxx | 09/27/2022 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  | Reviewer Comment (2022-10-03): Appraisal provided | 10/03/2022 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | D B | C | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777718 | xxxxxx | 26877367 | xxxxxx | 09/27/2022 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal Not Obtained Timely) | Unable to determine compliance with timely delivery of valuation to borrower due to missing information. |  |  | Reviewer Comment (2022-10-03): Appraisal provided | 10/03/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B | C | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777718 | xxxxxx | 26877368 | xxxxxx | 09/27/2022 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not obtained by physical visit to property. |  |  | Reviewer Comment (2022-10-03): Appraisal provided | 10/03/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B | C | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777718 | xxxxxx | 26877369 | xxxxxx | 09/27/2022 | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.88191% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .88191%). |  |  | Reviewer Comment (2022-09-26): The client elects to waive. |  |  | 09/26/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D B | C | B D A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777718 | xxxxxx | 26877370 | xxxxxx | 09/27/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Amount of Non-Escrowed Property Costs over Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of xxxxxx on Final Closing Disclosure provided on xxxxxx not accurate. (Final xxxxxx) | Amount of Non-Escrowed Property Costs over Year 1 of xxxxxx on Final Closing Disclosure provided on xxxxxx not accurate |  | Reviewer Comment (2022-09-26): The client elects to waive. |  |  | 09/26/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | C | B D A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777718 | xxxxxx | 26877371 | xxxxxx | 09/27/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). |  | Reviewer Comment (2022-10-26): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD.<br>Reviewer Comment (2022-10-17): SitusAMC received Corrected CD, LOE to borrower, copy of cure refund and proof of mailing. However, the xxxxxx tracking only reflects the label created and has not yet been picked up by the carrieer. Provide proof when package has been picked up to finalize.<br>Reviewer Comment (2022-10-11): SitusAMC received xxxxxx CD. The amount of the Finance Charge on this CD is the correct amount, however this CD would not be able to be utilized as he Corrected Post Close CD, as it is dated same as final CD and this would not be a post close correction. Additionally, would need to refund borrower the cure refund of $265 for the underdisclosure disclosed at closing. To cure, provide a Corrected CD with a post close date, LOE to borrower, copy of cure refund of $265 and proof of mailing. Calculated Finance charge $570,371.51 |  | 10/26/2022 |  | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | 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 | C | B D A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777718 | xxxxxx | 26877372 | xxxxxx | 09/27/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure xxxxxx on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final xxxxxx | TRID Final Closing Disclosure xxxxxx on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. |  | Reviewer Comment (2022-10-04): SitusAMC received Seller CD. | 10/04/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | C | B D A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777156 | xxxxxx | 26874878 | xxxxxx | 09/27/2022 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2022-10-04): Approval provided | 10/04/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 777156 | xxxxxx | 26874903 | xxxxxx | 09/27/2022 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | The purchase agreement provided is not signed by the Seller. Please provide fully executed purchase agreement. |  | Reviewer Comment (2022-10-14): Page 9 reflects counter for seller. Second counter off by seller accepted by borrower signed.<br>Reviewer Comment (2022-10-10): No new document uploaded in Acuity. Still, seller sign is missing on page 9 of purchase contract. Hence, exception remains same.<br>Reviewer Comment (2022-10-04): Page 9 of the PC is not executed by the seller. | 10/14/2022 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 777156 | xxxxxx | 26875034 | xxxxxx | 09/27/2022 | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  |  |  | Reviewer Comment (2022-10-04): Title provided | 10/04/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 777156 | xxxxxx | 26886920 | xxxxxx | 09/27/2022 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  |  |  | Reviewer Comment (2022-10-04): CPL provided | 10/04/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 777156 | xxxxxx | 26886980 | xxxxxx | 09/27/2022 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Second unit is missing |  | Reviewer Comment (2022-10-10): Correct flood cert provided. Refer doc id # xxxxxx. Hence, exception cleared.<br>Reviewer Comment (2022-10-04): Cleared in error. xxxxxx should be at the end of the address. Address is xxxxxx | 10/10/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 773534 | xxxxxx | 26879516 | xxxxxx | 09/28/2022 | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.52179% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .52179%). |  |  | Reviewer Comment (2022-09-27): The client elects to waive. |  |  | 09/27/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | B | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 773534 | xxxxxx | 26879517 | xxxxxx | 09/28/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file contains a copy of the Homeownership Counseling List; however, the document does not verify that the list date was updated with in the last 30 days. |  | Reviewer Comment (2022-09-27): The client elects to waive. |  |  | 09/27/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777472 | xxxxxx | 26880847 | xxxxxx | 09/28/2022 | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.22391% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .22391%). |  |  | Reviewer Comment (2022-09-27): The client elects to waive. |  |  | 09/27/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | B | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778123 | xxxxxx | 26886010 | xxxxxx | 09/29/2022 | 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%. | Investor exception in the file, however comp factors are incorrect. Reserves do not exceed requirement by 10 months or more | 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. | Reviewer Comment (2022-09-30): Client elects to waive with verified compensation factors |  |  | 09/30/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 777077 | xxxxxx | 26901778 | xxxxxx | 09/30/2022 | Compliance | Compliance | Federal Compliance | TILA | TILA - Impermissible Prepayment Penalty | Truth in Lending Act (Dodd-Frank 2014): Covered transaction contains impermissible prepayment penalty. | PPP not allowed. Loan is a Consumer Purpose Investment C/O Refinance as borrower is paying off personal credit debt through close as well as LOE states utilizing additional funds to payoff all owed debts. |  | Reviewer Comment (2022-12-02): Client elects to waive<br>Reviewer Comment (2022-12-02): Regraded exception to Open xxxxxx. No explicit cure provision for violation of 1026.43(g). Good faith cure made by lender by removing PPP. Borrower was provided letter indicating there would be no penalty for prepayment.<br>Reviewer Comment (2022-11-28): Received LOE to borrower and evidence of delivery. Pending receipt of Prepayment Penalty Modification or Addendum removing the prepay., An LOE from the lender stating they are removing the PPP is not acceptable. |  |  | 12/02/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777077 | xxxxxx | 26901779 | xxxxxx | 09/30/2022 | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Prepayment Penalty Amount | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on xxxxxx with a prepayment payment disclosed the maximum prepayment penalty amount that does not match the actual maximum amount for the loan. (Final xxxxxx) | Terms on CD not match PPP provided |  | Reviewer Comment (2022-10-04): Client elects to waive |  |  | 10/04/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777077 | xxxxxx | 26901780 | xxxxxx | 09/30/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial xxxxxx) | Evidence of earlier receipt not provided |  | Reviewer Comment (2022-10-04): SitusAMC received e-consent for the initial closing disclosure. | 10/04/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | No Defined Cure B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776853 | xxxxxx | 26902219 | xxxxxx | 10/04/2022 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2022-10-06): CDA provided | 10/06/2022 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | D | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776853 | xxxxxx | 26902315 | xxxxxx | 10/04/2022 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Notice of Special Flood Hazard was not provided to the borrower within a reasonable timing prior to closing. |  | Reviewer Comment (2022-09-30): Client elects to waive |  |  | 09/30/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | D | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776853 | xxxxxx | 26902316 | xxxxxx | 10/04/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List of homeownership counseling organization was not provided with the list date. |  | Reviewer Comment (2022-09-30): Client elects to waive |  |  | 09/30/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | D | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776853 | xxxxxx | 26902318 | xxxxxx | 10/04/2022 | Compliance | Compliance | State Compliance | Misc. State Level | (xxxxxx 50(a)(6)) xxxxxx Cash-out Loan (T-42 Endorsement Not Obtained) | xxxxxx Constitution Section 50(a)(6): Acceptable xxxxxx title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the xxxxxx T-42 endorsement or the T-42.1 endorsement. (The loan is a xxxxxx Section 50 (a)(6) home equity loan.) |  |  | Reviewer Comment (2022-09-30): Client elects to waive |  |  | 09/30/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation D B C A | D | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776853 | xxxxxx | 26902319 | xxxxxx | 10/04/2022 | Compliance | Compliance | State Compliance | State Defect | (xxxxxx 50(a)(6)) xxxxxx Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) | xxxxxx Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender. | Acknowledgement of the fair market value not executed by the lender. If executed post closing by the lender, evidence of LOE and delivery of the executed disclosure to the borrower will be required to cure. |  | Reviewer Comment (2022-10-06): Signed disclosure provided | 10/06/2022 |  |  | 1 | C A | C A | C | A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents, (AFMV signed by the lender), and obtain an executed copy; OR (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. B C | D | B D A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 776853 | xxxxxx | 26903421 | xxxxxx | 10/04/2022 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-10-11): Exception cleared Credit Report - Gap provided | 10/11/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | D | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778919 | xxxxxx | 26908324 | xxxxxx | 10/07/2022 | Credit | Guideline | Guideline Issue | Guideline | The minimum housing history was not met as required by guidelines for First Time Homebuyer. |  | The guidelines require the borrower to have a 12 month rental history for a first time home buyer; however, the borrower is living rent free and has no rental history. | 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. | Reviewer Comment (2022-10-13): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-10-12): The guidelines require that first time homebuyers have a 12 month history. If they are living rent free, then they do not have a 12 month history therefore an exception will be required. Both sections of the guidelines ally. |  |  | 10/13/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778919 | xxxxxx | 26908722 | xxxxxx | 10/07/2022 | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.74837% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.74837%). |  |  | Reviewer Comment (2022-10-05): Client elects to waive |  |  | 10/05/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B | B | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778919 | xxxxxx | 26908723 | xxxxxx | 10/07/2022 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) xxxxxx Subprime Loan (Counseling Disclosure Not Provided) | xxxxxx Subprime Loan: Counseling Disclosure not provided to borrower. | The file is missing the xxxxxx Subprime Counseling Disclosure. |  | Reviewer Comment (2022-10-05): Client elects to waive |  |  | 10/05/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | No obvious cure C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778919 | xxxxxx | 26908724 | xxxxxx | 10/07/2022 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) xxxxxx Subprime Loan (Subprime Legend Not on Mortgage) | xxxxxx Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  | Reviewer Comment (2022-10-05): Client elects to waive |  |  | 10/05/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). | B | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778919 | xxxxxx | 26908725 | xxxxxx | 10/07/2022 | Compliance | Compliance | State Compliance | State HPML | xxxxxx Subprime Home Loan Threshold Fixed Non-Compliant | xxxxxx Subprime Loan: APR on subject loan of 8.00520% or Final Disclosure APR of 8.03200% is in excess of allowable threshold of Prime Mortgage Market Rate 5.54000 + 1.75%, or 7.29000%. Non-Compliant SubPrime Loan. | The file is Non-Compliant with the xxxxxx Subprime requirements due to missing the Counseling Disclosure and the Mortgage does not provide the subprime Section 6-m legend. |  | Reviewer Comment (2022-10-05): Client elects to waive |  |  | 10/05/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | (Limited Use Bona Fide Errors - Compliance and Client Approval Required) With no time limit for which a cure may be made, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the subprime home loan threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | B | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778919 | xxxxxx | 26908732 | xxxxxx | 10/07/2022 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The hazard insurance policy reflects coverage of xxxxxx. The loan amount is xxxxxx The appraisal report reflects the estimated cost to replace as xxxxxx. |  | Reviewer Comment (2022-10-11): RCE received, Exception Cleared. | 10/11/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778919 | xxxxxx | 26908737 | xxxxxx | 10/07/2022 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-10-11): Cleared report provided | 10/11/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776857 | xxxxxx | 26914932 | xxxxxx | 10/07/2022 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xxxxxx | Reviewer Comment (2022-10-10): Client elects to waive with verified compensation factors. PDI dated xxxxxx : No damage |  |  | 10/10/2022 | 2 | C B | C B | B | B C | xxxxxx | xxxxxx | Second Home | Purchase | C B | B | B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776857 | xxxxxx | 26914938 | xxxxxx | 10/07/2022 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx LOE Additional Owner | Guidelines require LOE from all additional business owners, acknowledging the transaction and the use of funds, which was not provided. |  | Reviewer Comment (2022-10-10): Access Letter provided | 10/10/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | C B | B | B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776857 | xxxxxx | 26914950 | xxxxxx | 10/07/2022 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Lender on appraisal does not match Lender on Note and file does not contain appraisal transfer letter. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>| Reviewer Comment (2022-10-05): The client elects to waive. |  |  | 10/05/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Second Home | Purchase | C B | B | B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776857 | xxxxxx | 26914962 | xxxxxx | 10/07/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-10-05): The client elects to waive. |  |  | 10/05/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Second Home | Purchase | C B | B | B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776857 | xxxxxx | 26914963 | xxxxxx | 10/07/2022 | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.24340% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .24340%). |  |  | Reviewer Comment (2022-10-05): The client elects to waive. |  |  | 10/05/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B | B | B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 776857 | xxxxxx | 26914964 | xxxxxx | 10/07/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  | Reviewer Comment (2022-10-05): The client elects to waive. |  |  | 10/05/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Second Home | Purchase | C B | B | B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 776854 | xxxxxx | 26914712 | xxxxxx | 10/07/2022 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Note reflects xxxxxx vs. Flood Cert which reflects xxxxxx. |  | Reviewer Comment (2022-10-12): Updated flood cert provided | 10/12/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 776854 | xxxxxx | 26914718 | xxxxxx | 10/07/2022 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | Note reflects xxxxxx vs. ARR which reflects xxxxxx. |  | Reviewer Comment (2022-10-12): Updated ARR provided | 10/12/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 776854 | xxxxxx | 26924590 | xxxxxx | 10/07/2022 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the VOM for the borrower's primary residence or evidence free and clear. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-10-17): Client elects to waive with verified compensation factors |  |  | 10/17/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 776854 | xxxxxx | 26924642 | xxxxxx | 10/07/2022 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Note reflects xxxxxx vs. CPL which reflect xxxxxx. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-10-17): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-10-12): The address affidavit does not clear this condition. All documents must match. |  |  | 10/17/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 776854 | xxxxxx | 26924651 | xxxxxx | 10/07/2022 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The CPL and HOI do not reflect the Trust as insured. |  | Reviewer Comment (2022-10-27): Evidence the CPL and HOI now reflect the Trust's name was provided.<br>Reviewer Comment (2022-10-26): Received corrected CPL. Updated HOI not provided.<br>Reviewer Comment (2022-10-12): The loan closed in a Trust, therefore all insured parties should also reflect the Trust on the CPL and HOI. | 10/27/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 776854 | xxxxxx | 26924698 | xxxxxx | 10/07/2022 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  |  | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-10-28): Waived with compensating factors per investor request. |  |  | 10/28/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 778077 | xxxxxx | 26914377 | xxxxxx | 10/07/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | An acknowledgement of receipt of appraisal was not provided to the borrower within three business days prior to consummation. |  | Reviewer Comment (2022-10-06): Client elects to waive |  |  | 10/06/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | B | B C | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 778077 | xxxxxx | 26914378 | xxxxxx | 10/07/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary xxxxxx) | An acknowledgement of receipt of appraisal was not provided to the borrower within three business days prior to consummation. |  | Reviewer Comment (2022-10-06): Client elects to waive |  |  | 10/06/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | B | B C | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 778077 | xxxxxx | 26914513 | xxxxxx | 10/07/2022 | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal |  | Desk review effective date does not match the effective date of the primary appraisal. |  | Reviewer Comment (2022-10-14): Second appraisal provided. CDA based off this appraisal. | 10/14/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | B | B C | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 778077 | xxxxxx | 26930918 | xxxxxx | 10/07/2022 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The CPA did not sign and date the P&L as required per guidelines. |  | Reviewer Comment (2022-10-13): Signed and dated P&L provided | 10/13/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | B | B C | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 778077 | xxxxxx | 26930932 | xxxxxx | 10/07/2022 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | 2nd Appraisal required for loans > $2,000,000. |  | Reviewer Comment (2022-10-14): 2nd appraisal provided | 10/14/2022 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | B | B C | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 778077 | xxxxxx | 26983652 | xxxxxx | 10/14/2022 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report date: xxxxxx |  | 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. | Reviewer Comment (2022-10-14): Client elects to waive |  |  | 10/14/2022 | 2 | B | B |  | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | B | B C | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 778077 | xxxxxx | 26983694 | xxxxxx | 10/14/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-10-14): Client elects to waive |  |  | 10/14/2022 | 2 | B | B |  | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | B | B C | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 777220 | xxxxxx | 26919027 | xxxxxx | 10/10/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List of homeownership counseling organization not provided with a list update. |  | Reviewer Comment (2022-10-05): The client elects to waive. |  |  | 10/05/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777220 | xxxxxx | 26919410 | xxxxxx | 10/10/2022 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Missing Approval. |  | Reviewer Comment (2022-10-11): Approval provided | 10/11/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777220 | xxxxxx | 26919624 | xxxxxx | 10/10/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | An acknowledgement of receipt of appraisal was not provided to the borrower three business days prior to consummation. |  | Reviewer Comment (2022-10-11): Delivery LOE received | 10/11/2022 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777220 | xxxxxx | 26919625 | xxxxxx | 10/10/2022 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.38930% or Final Disclosure APR of 9.40600% is in excess of allowable threshold of APOR 5.20% + 1.5%, or 6.70000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2022-10-11): Delivery LOE received | 10/11/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777220 | xxxxxx | 26919626 | xxxxxx | 10/10/2022 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | An acknowledgement of receipt of appraisal was not provided to the borrower three business days prior to consummation. |  | Reviewer Comment (2022-10-11): Delivery LOE received | 10/11/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777704 | xxxxxx | 26944210 | xxxxxx | 10/13/2022 | Compliance | Compliance | Federal Compliance | GSE | xxxxxx Points and Fees | xxxxxx Points and Fees on subject loan of 5.80727% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and xxxxxx (2022). xxxxxx Finance Charge total xxxxxx on a Original Loan Amount of xxxxxx vs. an allowable total of xxxxxx and xxxxxx (2022) (an overage of xxxxxx or .80727%). |  |  | Reviewer Comment (2022-10-11): The client elects to waive. |  |  | 10/11/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | B | B A | N/A | N/A | Yes | Mortgagor Focused |
| xxxxxx | 777704 | xxxxxx | 26944237 | xxxxxx | 10/13/2022 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, Address: xxxxxx HOA Verification<br> Insurance Verification | The file is missing HOA Verification for the property located on xxxxxx. The file is missing hazard insurance for the property located on xxxxxx |  | Reviewer Comment (2022-10-18): Evidence of HOA dues provided<br>Reviewer Comment (2022-10-18): LOE for land property n xxxxxx provided regarding HOI. Pending receipt of HOA dues for xxxxxx. The document provided does not reflect what the monthly amount due is, but only that all balances are paid. | 10/18/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 779185 | xxxxxx | 26975904 | xxxxxx | 10/17/2022 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Provide the Borrower Background and Authorization Credit Form. Document in file is blank. |  | Reviewer Comment (2022-10-19): Background and credit authorization provided<br>Reviewer Comment (2022-10-19): The document provided is not the Background and Authorization Credit Form. Investor can elect to waive.<br>Reviewer Comment (2022-10-18): Multiple lender correspondences were provide that do not clear this condition. Regardless of who pulled it an authorization to do so is still required as well as this is part of the application. | 10/19/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 779185 | xxxxxx | 26975906 | xxxxxx | 10/17/2022 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the Wire Ticket to Settlement Agent. |  | Reviewer Comment (2022-10-17): Wire Ticket provided | 10/17/2022 |  |  | 1 | C A | C A | C | A D | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 779185 | xxxxxx | 26975915 | xxxxxx | 10/17/2022 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the Executed Term Sheet. |  | Reviewer Comment (2022-10-17): Executed Term Sheet provided | 10/17/2022 |  |  | 1 | C A | C A | C | A D | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 775461 | xxxxxx | 26957628 | xxxxxx | 10/18/2022 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Appraisal reflects property currently offered for sale or has been offered for sale in the twelve months prior to the effective date of the appraisal. |  | Reviewer Comment (2022-10-28): Received | 10/28/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | C | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 775461 | xxxxxx | 26958093 | xxxxxx | 10/18/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  | Reviewer Comment (2022-10-14): Client elects to waive |  |  | 10/14/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | C | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 775461 | xxxxxx | 26958094 | xxxxxx | 10/18/2022 | Compliance | Compliance | Federal Compliance | GSE | xxxxxx Points and Fees | xxxxxx Points and Fees on subject loan of 7.33889% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and xxxxxx (2022). xxxxxx Finance Charge total xxxxxx on a Original Loan Amount of xxxxxx vs. an allowable total of xxxxxx and xxxxxx (2022) (an overage of xxxxxx or 2.33889%). |  |  | Reviewer Comment (2022-10-14): Client elects to waive |  |  | 10/14/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B | C | B A | N/A | N/A | Yes | Mortgagor Focused |
| xxxxxx | 775461 | xxxxxx | 26984722 | xxxxxx | 10/18/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - High Cost and Higher Priced 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 Investment). If tested as primary residence, loan exceeds one or more high cost and one or more HPML thresholds. Additional compliance testing required to determine if loan would be a compliant or non-compliant HPML. | Both the initial and final 1003's dec page reflect intent to occupy. |  | Reviewer Comment (2022-11-01): Updated application provided<br>Reviewer Comment (2022-10-28): Final 1003 received; however, Section 5: declarations still indicates borrower intends to occupy the subject property as their primary residence. | 11/01/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | C | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 775461 | xxxxxx | 26984728 | xxxxxx | 10/18/2022 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, Address: xxxxxx, Address: xxxxxx Insurance Verification, Other<br> Other<br> Other | 1) Provide the HOI for the property on xxxxxx 2) Provide evidence the properties on xxxxxx are all Free and Clear | 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 mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2022-11-09): Client elects to waive with verified compensation factors |  |  | 11/09/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | C | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 777734 | xxxxxx | 26991166 | xxxxxx | 10/21/2022 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xxxxxx | Reviewer Comment (2022-10-19): PDI received dated xxxxxx : No Damage |  |  | 10/19/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777734 | xxxxxx | 26991219 | xxxxxx | 10/21/2022 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception request in file for 10 NSF charges. Provide the approved form with valid comp factors. | 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>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>| Reviewer Comment (2022-10-26): The client elects to waive.<br>Reviewer Comment (2022-10-24): Comp factors on form are incorrect. Reserves do not exceed the requirement by 10 months or more. Please update. |  |  | 10/26/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777734 | xxxxxx | 27003970 | xxxxxx | 10/21/2022 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-10-24): UDM provided | 10/24/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778469 | xxxxxx | 27010041 | xxxxxx | 10/24/2022 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-11-02): Cleared fraud report provided | 11/02/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 778469 | xxxxxx | 27010045 | xxxxxx | 10/24/2022 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | The 1003 does not reflect the borrower's citizenship status. |  | Reviewer Comment (2022-11-02): Updated 1003 provided | 11/02/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 777437 | xxxxxx | 27004796 | xxxxxx | 10/25/2022 | Compliance | Compliance | State Compliance | State Late Charge | xxxxxx Late Charge Grace Period Testing | xxxxxx Late Charge: Note grace period of 5 days is less than the state minimum of 15 days. |  |  | Reviewer Comment (2022-10-21): Client elects to waive |  |  | 10/21/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777437 | xxxxxx | 27004797 | xxxxxx | 10/25/2022 | Compliance | Compliance | State Compliance | State Late Charge | xxxxxx Late Charge Percent Testing | xxxxxx Late Charge: Note late charge percent of 10.00000% exceeds the state maximum of 5%. |  |  | Reviewer Comment (2022-10-21): Client elects to waive |  |  | 10/21/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777437 | xxxxxx | 27004798 | xxxxxx | 10/25/2022 | 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 Fee. Fee Amount of $900.00 exceeds tolerance of $650.00. Insufficient or no cure was provided to the borrower. (7506) | The Appraisal Fee increased from $650.00 on the initial Loan Estimate to $900.00 on the final Closing Disclosure without a valid change of circumstance. |  | Reviewer Comment (2022-10-28): Upon further review, sufficient cure was provided at closing. | 10/28/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777437 | xxxxxx | 27004800 | xxxxxx | 10/25/2022 | 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 Funding Fee. Fee Amount of $575.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75127) | The Funding Fee increased from $0.00 on the initial Loan Estimate to $575.00 on the loan Estimate dated xxxxxx without a valid change of circumstance. |  | Reviewer Comment (2022-10-28): SitusAMC received COC dated xxxxxx & clarification from seller. | 10/28/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777437 | xxxxxx | 27004801 | xxxxxx | 10/25/2022 | 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 Flood Certification (Life Of Loan). Fee Amount of $17.50 exceeds tolerance of $10.00. Insufficient or no cure was provided to the borrower. (7579) | The Flood Certificate Fee increased from $10.00 on the initial Loan Estimate to $18.00 on the loan Estimate dated xxxxxx without a valid change of circumstance. |  | Reviewer Comment (2022-10-28): SitusAMC received COC dated xxxxxx & clarification from seller. | 10/28/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777437 | xxxxxx | 27004808 | xxxxxx | 10/25/2022 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note is not on a xxxxxx/xxxxxx form and does not contain the standard Due on Sale clause. |  |  | 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>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-10-21): Client elects to waive |  |  | 10/21/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777437 | xxxxxx | 27019076 | xxxxxx | 10/25/2022 | 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 File Review Fee. Fee Amount of $900.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7543) | The File Review fee increased without a valid COC. |  | Reviewer Comment (2022-10-28): SitusAMC received COC dated xxxxxx & clarification from seller. | 10/28/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777437 | xxxxxx | 27019097 | xxxxxx | 10/25/2022 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification |  |  | Reviewer Comment (2022-10-26): Vacant land. Confirmed by Property history Report Doc ID xxxxxx. Hazard insurance not required. | 10/26/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777437 | xxxxxx | 27019116 | xxxxxx | 10/25/2022 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Provide evidence of 30-days current proof of receipt for Social Security income. |  | Reviewer Comment (2022-10-28): Bank Statement is provided in file and it confrms the receipt of Social Security income.<br>Reviewer Comment (2022-10-26): This is for the Social Security income. | 10/28/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 777437 | xxxxxx | 27097125 | xxxxxx | 10/28/2022 | 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 $900.00 exceeds tolerance of $650.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  | Reviewer Comment (2022-10-28): Sufficient Cure Provided At Closing |  | 10/28/2022 |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778480 | xxxxxx | 27036929 | xxxxxx | 10/26/2022 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The HOI does not reflect the Entity as insured. |  | Reviewer Comment (2022-10-27): Confirmed Insurance interest properly listed. | 10/27/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 778480 | xxxxxx | 27037067 | xxxxxx | 10/26/2022 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the Investment Affidavit. |  | Reviewer Comment (2022-10-27): Business Purpose Certificate provided. | 10/27/2022 |  |  | 1 | C A | C A | C | A D | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 778480 | xxxxxx | 27037078 | xxxxxx | 10/26/2022 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Provide the Background and Credit Authorization and the Property Management Questionnaire. |  | Reviewer Comment (2022-10-26): Received all the documents signed and dated. Exception cleared. | 10/26/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 778702 | xxxxxx | 27014778 | xxxxxx | 10/26/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or xxxxxx) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | Reviewer Comment (2022-10-25): The client elects to waive. |  |  | 10/25/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 778702 | xxxxxx | 27014964 | xxxxxx | 10/26/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-11-02): Delivery provided | 11/02/2022 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778702 | xxxxxx | 27014965 | xxxxxx | 10/26/2022 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.52760% or Final Disclosure APR of 8.56400% is in excess of allowable threshold of APOR 6.09% + 1.5%, or 7.59000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2022-11-02): Delivery provided | 11/02/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778702 | xxxxxx | 27014966 | xxxxxx | 10/26/2022 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2022-11-02): Delivery provided | 11/02/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 778702 | xxxxxx | 27015019 | xxxxxx | 10/26/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  | Reviewer Comment (2022-10-25): The client elects to waive. |  |  | 10/25/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779136 | xxxxxx | 27015947 | xxxxxx | 10/27/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2022-10-25): The client elects to waive. |  |  | 10/25/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779136 | xxxxxx | 27015948 | xxxxxx | 10/27/2022 | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.49668% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.49668%). |  |  | Reviewer Comment (2022-10-25): The client elects to waive. |  |  | 10/25/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | B | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 777848 | xxxxxx | 27036660 | xxxxxx | 10/27/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-10-28): Client elects to waive |  |  | 10/28/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A | B | B A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 777848 | xxxxxx | 27036661 | xxxxxx | 10/27/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary xxxxxx) |  |  | Reviewer Comment (2022-10-28): Client elects to waive<br>Reviewer Comment (2022-10-28): This condition is for the 2055 drive by appraisal that was completed on the property. Please provide evidence this report was delivered to borrower at least 3 business days prior to consummation of the loan. |  |  | 10/28/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A | B | B A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 777248 | xxxxxx | 27126244 | xxxxxx | 11/01/2022 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 5.67 is less than Guideline PITIA months reserves of 6.00. | Per guidelines, 6 months reserves are required. Per the final 1003 asset section, lender used 100% of the borrower's retirement account; however, guidelines only allow the use of 70%. This difference results in borrower being short the required 6 months reserves. |  | Reviewer Comment (2022-11-16): Updated statement provided for 1 account. Borrower now has 6 months reserves. | 11/16/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 777248 | xxxxxx | 27126292 | xxxxxx | 11/01/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-10-31): Client elects to waive |  |  | 10/31/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 777248 | xxxxxx | 27126293 | xxxxxx | 11/01/2022 | Compliance | Compliance | Federal Compliance | GSE | xxxxxx Points and Fees | xxxxxx Points and Fees on subject loan of 9.54494% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and xxxxxx (2022). xxxxxx Finance Charge total xxxxxx on a Original Loan Amount of xxxxxx vs. an allowable total of xxxxxx and xxxxxx (2022) (an overage of xxxxxx or 4.54494%). |  |  | Reviewer Comment (2022-10-31): Client elects to waive |  |  | 10/31/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | B | B A | N/A | N/A | Yes | Mortgagor Focused |
| xxxxxx | 779279 | xxxxxx | 27132958 | xxxxxx | 11/02/2022 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Lender on appraisal differs from note, however an appraisal transfer letter was not provided in file. | 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'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%. | Reviewer Comment (2022-11-01): Client elects to waive |  |  | 11/01/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | A B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779279 | xxxxxx | 27133061 | xxxxxx | 11/02/2022 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-11-02): Gap provided | 11/02/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | A B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779279 | xxxxxx | 27133080 | xxxxxx | 11/02/2022 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Missing 12 months housing history for the borrower's current residence for the subject. Only eleven months history was provided in file. Provide the previous housing rental history. |  | Reviewer Comment (2022-11-02): Mtg payoff statement provided reflects next payment due xxxxxx Additional month provided. | 11/02/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | A B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779279 | xxxxxx | 27134845 | xxxxxx | 11/02/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7505) | The appraisal expired on xxxxxx . Fee was not disclosed until xxxxxx which is outside of the 3 day discovery. |  | Reviewer Comment (2022-11-03): As per associate comment and COC dated xxxxxx . | 11/03/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | A B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779735 | xxxxxx | 27136304 | xxxxxx | 11/02/2022 | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  | 6 months required per guidelines | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-11-17): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-11-08): DD was provided by the investor the lender's guidelines dated 7.2022 v1.6 which must be utilized. Section 11 reflects 6 months rent loss required. |  |  | 11/17/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 776595 | xxxxxx | 27137013 | xxxxxx | 11/03/2022 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2022-11-07): Gap provided | 11/07/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | B | B | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 776595 | xxxxxx | 27137142 | xxxxxx | 11/03/2022 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 75.00000% exceeds Guideline loan to value percentage of 70.00000%. | Maximum LTV for a cash-out refinance of an investment property with a minimum 620 credit score is 70%. Subject loan was approved at 75% LTV. Loan file contains an investor exception request. | 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.<br>Borrower has worked in the same position for more than 3 years. | Reviewer Comment (2022-11-03): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-11-03): The exception form provided is not for this loan file nor reflects this exception. |  |  | 11/03/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | B | B | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 776595 | xxxxxx | 27137143 | xxxxxx | 11/03/2022 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of xxxxxx is less than Guideline minimum loan amount of $150,000.00. | Per guidelines, minimum loan amount is $150,000; however, subject transaction was approved with a xxxxxx loan amount. File contains investor exception request. | 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.<br>Borrower has worked in the same position for more than 3 years. | Reviewer Comment (2022-11-03): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-11-03): The exception form provided is not for this loan file nor reflects this exception. |  |  | 11/03/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | B | B | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 776595 | xxxxxx | 27139700 | xxxxxx | 11/03/2022 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Lender on appraisal does not match lender on Note and file does not contain appraisal transfer letter. | 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.<br>Borrower has worked in the same position for more than 3 years. | Reviewer Comment (2022-11-02): Client elects to waive with verified compensation factors |  |  | 11/02/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | B | B | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 776595 | xxxxxx | 27139743 | xxxxxx | 11/03/2022 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, Address: xxxxxx Insurance Verification, Other<br> Other | The following REO documents are required and missing: Evidence the additional REOs on xxxxxx are owned free and clear (two additional properties) and current HOI for xxxxxx (the policy provided in the file is expired as of xxxxxx and indicates it is on vacant buildings only). |  | Reviewer Comment (2022-11-07): Free and clear and HOI policy provided<br>Reviewer Comment (2022-11-04): Received evidence for xxxxxx that property is free and clear. Pending receipt of evidence of free and clear and insurance verification for the property on xxxxxx. The insurance for this property has expires and only reflects for Vacant Buildings. | 11/07/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | B | B | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 776595 | xxxxxx | 27139766 | xxxxxx | 11/03/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2022-11-02): Client elects to waive with verified compensation factors |  |  | 11/02/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | B | B | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 776595 | xxxxxx | 27139768 | xxxxxx | 11/03/2022 | Compliance | Compliance | State Compliance | State Late Charge | xxxxxx Late Charge Grace Period Testing | xxxxxx Late Charge: Note grace period of 5 days is less than the state minimum of 15 days. |  |  | Reviewer Comment (2022-11-02): Client elects to waive with verified compensation factors |  |  | 11/02/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | B | B | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 776595 | xxxxxx | 27139769 | xxxxxx | 11/03/2022 | Compliance | Compliance | State Compliance | State Late Charge | xxxxxx Late Charge Percent and Amount Testing | xxxxxx Late Charge: Note late charge of 10.00000% exceeds state maximum of 5% or $2, whichever is greater. |  |  | Reviewer Comment (2022-11-02): Client elects to waive with verified compensation factors |  |  | 11/02/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | B | B | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 779081 | xxxxxx | 27171902 | xxxxxx | 11/10/2022 | Credit | Income / Employment | Income Documentation | Income / Employment | Large deposits were not sourced and/or letter of explanation was not provided. |  | The guidelines require inconsistent or large deposits should be sourced or excluded from the analysis. 50% of the average monthly sales of the business is $28,042.94. The following large deposits have not been sourced as required by the guidelines: $$38,145 on xxxxxx ; $36,000 on xxxxxx ; $30,000 on xxxxxx ; $80,000 on xxxxxx ; $59,750 on xxxxxx ; $55,172.50 on xxxxxx ; $50,000 on xxxxxx ; $72,000 on xxxxxx ; $66,385 on xxxxxx . |  | Reviewer Comment (2022-11-14): Business invoices provided | 11/14/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779081 | xxxxxx | 27172332 | xxxxxx | 11/10/2022 | 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%. | The borrower's qualifying credit score is 662 which only allows a maximum LTV of 75% on a cash-out transaction. The loan was closed with an LTV of 80%. The file contains an Investor exception. | 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. | Reviewer Comment (2022-11-08): Client elects to waive with verified compensation factors |  |  | 11/08/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779081 | xxxxxx | 27172369 | xxxxxx | 11/10/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | The file is missing evidence the borrower(s) received a copy of the appraisal report(s) at least 3 business days prior to loan consummation. |  | Reviewer Comment (2022-11-14): Appraisal delivery provided | 11/14/2022 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779081 | xxxxxx | 27172370 | xxxxxx | 11/10/2022 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 11.24300% or Final Disclosure APR of 11.26600% is in excess of allowable threshold of APOR 6.38% + 1.5%, or 7.88000%. Non-Compliant Higher Priced Mortgage Loan. | The loan is HPML Non Compliant due to missing evidence the borrower received a copy of the appraisals at least 3 business days prior to the loan consummation. |  | Reviewer Comment (2022-11-14): Appraisal delivery provided | 11/14/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779081 | xxxxxx | 27172371 | xxxxxx | 11/10/2022 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | The file is missing evidence the borrower(s) received a copy of the appraisal report(s) at least 3 business days prior to loan consummation. |  | Reviewer Comment (2022-11-14): Appraisal delivery provided | 11/14/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779081 | xxxxxx | 27172372 | xxxxxx | 11/10/2022 | 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 $131.80 exceeds tolerance of $100.00. Insufficient or no cure was provided to the borrower. (7520) | The Credit Report Fee increased from $100.00 on the initial Loan Estimate to $131.80 on the initial Closing Disclosure without a valid change of circumstance. |  | Reviewer Comment (2022-11-15): Sufficient cure provided at closing | 11/15/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779081 | xxxxxx | 27172373 | xxxxxx | 11/10/2022 | 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 $3,388.00 exceeds tolerance of $2,311.00. Insufficient or no cure was provided to the borrower. (8304) | The Transfer Tax Fee increased from xxxxxx on the initial Loan Estimate to xxxxxx on the initial Closing Disclosure without a valid change of circumstance. |  | Reviewer Comment (2022-11-17): SitusAMC received valid COC dated xxxxxx <br>Reviewer Comment (2022-11-15): SitusAMC received Changed Circumstance dated xxxxxx , but increase in LTV is not a valid reason for change in transfer taxes. COC does not give any additional information why the transfer taxes fee were increased. In order to determine if the changed circumstance is 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. | 11/17/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779081 | xxxxxx | 27232883 | xxxxxx | 11/11/2022 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection date: xxxxxx <br> Disaster End date: xxxxxx<br> Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx |  | 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. | Reviewer Comment (2022-11-15): Client elects to waive<br>Reviewer Comment (2022-11-11): The appraisal was not completed after the disaster end date. PDI required. |  |  | 11/15/2022 | 2 | B | B |  | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 779081 | xxxxxx | 27268126 | xxxxxx | 11/17/2022 | 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 Credit Report Fee. Fee Amount of $131.80 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  | Reviewer Comment (2022-11-17): Sufficient Cure Provided At Closing |  | 11/17/2022 |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 780524 | xxxxxx | 27219195 | xxxxxx | 11/16/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Reviewer Comment (2022-11-15): Client elects to waive |  |  | 11/15/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780524 | xxxxxx | 27219197 | xxxxxx | 11/16/2022 | 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. | Per the income worksheet in file, the lender qualified the borrower off of the bank statements 8/2021-7/2022 which the last statement is > 90 days from consummation. Loan closed xxxxxx. The most recent statements in file were utilized to qualify during the audit review which were xxxxxx 21-9/2022. |  | Reviewer Comment (2022-12-08): The Loan Designation is now Non-QM<br>Reviewer Comment (2022-12-02): The bank statements cannot be > 90 days therefore the income should have been re-calculated utilizing the most recent statements which is required.<br>Reviewer Comment (2022-11-28): Additional bank statement provided for income which was utilized in the qualification. The DTI is still excessive. Only 12 months can be utilized to qualify and additional statements cannot be added to inflate the income. | 12/08/2022 |  |  | 1 | B A C | B A | C | A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM status C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 780524 | xxxxxx | 27219198 | xxxxxx | 11/16/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. (Gift Funds/Gift Funds) | The gift letter and receipt are dated after consummation. Disbursement date has no bearing on this. |  | Reviewer Comment (2022-12-08): The client elects to waive.<br>Reviewer Comment (2022-12-08): Regraded to xxxxxx based on comp factors of: (1) Residual income $2,766.80 > $0 minimum, (2) FICO 761 > 700 minimum and (3) Borrowers made a down payment from their own funds on this purchase transaction of at least 5%.<br>Reviewer Comment (2022-12-02): The funding date has no bearing on this. Gift letter or receipt of funds must be dated prior to closing.<br>Reviewer Comment (2022-11-21): Disbursement date has no bearing on this condition. Testing is based on consummation date of loan, which was xxxxxx . |  |  | 12/08/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780524 | xxxxxx | 27219200 | xxxxxx | 11/16/2022 | 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 53.20312% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Per the income worksheet in file, the lender qualified the borrower off of the bank statements 8/2021-7/2022 which the last statement is > 90 days from consummation. Loan closed xxxxxx. The most recent statements in file were utilized to qualify during the audit review which were xxxxxx 21-9/2022. | Borrower has verified disposable income of at least $2500.00.<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. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-02): The bank statements cannot be > 90 days therefore the income should have been re-calculated utilizing the most recent statements which is required.<br>Reviewer Comment (2022-11-28): Additional bank statement provided for income which was utilized in the qualification. The DTI is still excessive. Only 12 months can be utilized to qualify and additional statements cannot be added to inflate the income.<br>Reviewer Comment (2022-11-28): Exception Detail Updated from: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 53.10889% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) |  |  | 12/08/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780524 | xxxxxx | 27219202 | xxxxxx | 11/16/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  | Reviewer Comment (2022-11-15): Client elects to waive |  |  | 11/15/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780524 | xxxxxx | 27219225 | xxxxxx | 11/16/2022 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 53.20312% exceeds Guideline total debt ratio of 50.00000%. | Per the income worksheet in file, the lender qualified the borrower off of the bank statements 8/2021-7/2022 which the last statement is > 90 days from consummation. Loan closed xxxxxx. The most recent statements in file were utilized to qualify during the audit review which were xxxxxx 21-9/2022. | Borrower has verified disposable income of at least $2500.00.<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. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-02): The bank statements cannot be > 90 days therefore the income should have been re-calculated utilizing the most recent statements which is required.<br>Reviewer Comment (2022-11-28): Exception Explanation Updated from: Calculated investor qualifying total debt ratio of 53.10889% exceeds Guideline total debt ratio of 50.00000%.<br>Reviewer Comment (2022-11-28): The most recent statements were already utilized to qualify at time of review which resulted in an excessive DTI. Additional bank statements cannot be added to inflate the income. |  |  | 12/08/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780524 | xxxxxx | 27219226 | xxxxxx | 11/16/2022 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 11.66 is less than Guideline PITIA months reserves of 12.00. |  | Borrower has verified disposable income of at least $2500.00.<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. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-11-28): Lender would like to waive |  |  | 12/08/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780524 | xxxxxx | 27219323 | xxxxxx | 11/16/2022 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Preliminary in file. |  |  | Reviewer Comment (2022-12-01): Supplement provided | 12/01/2022 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780524 | xxxxxx | 27219613 | xxxxxx | 11/16/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Per the income worksheet in file, the lender qualified the borrower off of the bank statements 8/2021-7/2022 which the last statement is > 90 days from consummation. Loan closed xxxxxx 22. The most recent statements in file were utilized to qualify during the audit review which were xxxxxx 21-9/2022. |  | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors. Condition no longer applies.<br>Reviewer Comment (2022-12-02): The bank statements cannot be > 90 days therefore the income should have been re-calculated utilizing the most recent statements which is required.<br>Reviewer Comment (2022-11-28): Additional bank statement provided for income which was utilized in the qualification. The DTI is still excessive. Only 12 months can be utilized to qualify and additional statements cannot be added to inflate the income. | 12/08/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780524 | xxxxxx | 27253650 | xxxxxx | 11/16/2022 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the 12 month VOR for the borrower's primary residence. |  | Reviewer Comment (2022-12-02): AUS approve in file. Evidence received non-institutional landlord. requirements are waived per guidelines.<br>Reviewer Comment (2022-11-28): Per guidelines, verifying housing payments can be eliminated if the following is present: File receives an AUS approve. However, this is listed under Non-Institutional lender/landlord only. There is no evidence of this in file. | 12/02/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780524 | xxxxxx | 27253825 | xxxxxx | 11/16/2022 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 90.00000% exceeds Guideline loan to value percentage of 85.00000%. | Per the guidelines, declining market requires a 5% LTV deduction off the max for LTV's > 70%. Max LTV for program is 90% and with a 5% LTV deduction applied for declining market, max is 85%. | Borrower has verified disposable income of at least $2500.00.<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. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-11-28): Lender would like to waive |  |  | 12/08/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780524 | xxxxxx | 27254220 | xxxxxx | 11/16/2022 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Payment Shock exceeds credit guidelines. | Payment Shock: 529.11200% | Per guidelines, for FTHB with a DTI > 40%, payment shock is limited to 300%. | Borrower has verified disposable income of at least $2500.00.<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. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-11-28): Lender would like to waive |  |  | 12/08/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780604 | xxxxxx | 27239420 | xxxxxx | 11/18/2022 | Credit | Guideline | Guideline Issue | Guideline | The minimum housing history was not met as required by guidelines for First Time Homebuyer. |  | The guidelines require a current 12-month rental history for a First Time Home Buyer. The borrower has been living rent free for 10 months per the final 1003. The file does contain a VOR to verify the previous 36 months of rental history. | 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. | Reviewer Comment (2022-11-29): Client elects to waive with verified compensation factors |  |  | 11/29/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780732 | xxxxxx | 27281967 | xxxxxx | 11/23/2022 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The file is missing the required verification of rental history for the departing residence. |  | Reviewer Comment (2022-12-05): Property profile provided reflecting non-institiuonal landlord. AUS approved in file. VOR is waived per guidelines.<br>Reviewer Comment (2022-11-29): Please review the comments from xxxxxx : VOM was not provided. AUS approved was provided, however this is only allowed for non-institutional lenders. There is no evidence of this in file.<br>Reviewer Comment (2022-11-28): VOM was not provided. AUS approved was provided, however this is only allowed for non-institutional lenders. There is no evidence of this in file. | 12/05/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780732 | xxxxxx | 27282205 | xxxxxx | 11/23/2022 | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.64374% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .64374%). |  |  | Reviewer Comment (2022-11-17): Client elects to waive |  |  | 11/17/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 780732 | xxxxxx | 27282206 | xxxxxx | 11/23/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial xxxxxx) |  |  | Reviewer Comment (2022-12-12): SitusAMC received confirmation document dated xxxxxx .<br>Reviewer Comment (2022-12-09): SitusAMC agreed that the Initial disclosure provided to borrower within the 3 days. However, the borrower went through the eConsent process on xxxxxx , which is not within 3 days from the date of application xxxxxx . Please provide eConsent by xxxxxx within 3 days or provide proof of evidence that the Initial LE was sent to borrower via other than electronic delivery.<br>Reviewer Comment (2022-12-07): SitusAMC agreed that the application dated on xxxxxx. But, the E-Consent had not provided to borrower within 3 days from the application. Hence, we required borrower e-sign consent agreement xxxxxx within 3 days of application xxxxxx or Provide any evidence that the borrower was sent Initial LE via other means than electronic delivery, as the e-consent was over 3 business days and acknowledged over 3 business days. The LE would not have been provided electronically if borrower had not e-consented with the 3 business days after application.<br>Reviewer Comment (2022-12-02): SitusAMC received rebuttal "we redisclosed on 10-24".However The consumer went through the e Consent process on xxxxxx , the consumer acknowledged the receipt of the LE on xxxxxx . But the loan application date was xxxxxx . In the event the consumer had not provided e Consent by xxxxxx within that 3 days from the date of application, then the lender should have sent the consumer the Loan Estimate through another means in accordance with the official interpretation reflected in Comment 19(e)(1)(iv)-2. Provide proof borrower was sent Initial LE via other means than electronic delivery, as the e-consent was over 3 business days and acknowledged over 3 business days. The LE would not have been provided electronically if borrower had not e-consented with the 3 business days after application i.e. xxxxxx .<br>Reviewer Comment (2022-11-30): The consumer went through the eConsent process on xxxxxx , the consumer acknowledged the receipt of the LE on xxxxxx . But the loan application date was xxxxxx . In the event the consumer had not provided eConsent by xxxxxx within that 3 days from the date of application, then the lender should have sent the consumer the Loan Estimate through another means in accordance with the official interpretation reflected in Comment 19(e)(1)(iv)-2. Provide proof borrower was sent Initial LE via other means than electronic delivery, as the e-consent was over 3 business days and acknowledged over 3 business days. The LE would not have been provided electronically if borrower had not e-consented with the 3 business days after application.<br>Reviewer Comment (2022-11-29): SitusAMC received Borrowers Authorization. However the exception is for borrowers e consent. <br> The consumer went through the eConsent process on xxxxxx , the consumer acknowledged the receipt of the LE on xxxxxx . But the loan application date was xxxxxx . In the event the consumer had not provided eConsent by xxxxxx , then the lender should have sent the consumer the Loan Estimate through another means in accordance with the official interpretation reflected in Comment 19(e)(1)(iv)-2. Provide proof borrower was sent Initial LE via other means than electronic delivery, as the e-consent was over 3 business days and acknowledged over 3 business days. The LE would not have been provided electronically if borrower had not e-consented with the 3 business days after application. | 12/12/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780379 | xxxxxx | 27310268 | xxxxxx | 11/29/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary xxxxxx) |  |  | Reviewer Comment (2022-11-23): The client elects to waive. |  |  | 11/23/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 780379 | xxxxxx | 27310270 | xxxxxx | 11/29/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Calculation Years | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxxxx did not disclose a range of years. (ProjSeq:1/2074872) | TRID Final Closing Disclosure Payment Calculation Years not disclosed. |  | Reviewer Comment (2022-12-01): SitusAMC received xxxxxx Final CD reflecting payment calculation years.<br>Reviewer Comment (2022-11-30): SitusAMC received xxxxxx Corrected CD. Missing copy of LOE to borrower and proof of reopening of rescission on this material disclosure violation to finalize cure. | 12/01/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 780379 | xxxxxx | 27310271 | xxxxxx | 11/29/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Calculation Years | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxxxx did not disclose a range of years. (ProjSeq:2/2074873) | TRID Final Closing Disclosure Payment Calculation Years not disclosed. |  | Reviewer Comment (2022-12-01): SitusAMC received xxxxxx Final CD reflecting payment calculation years. | 12/01/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 780379 | xxxxxx | 27310272 | xxxxxx | 11/29/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Calculation Years | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxxxx did not disclose a range of years. (ProjSeq:3/2074874) | TRID Final Closing Disclosure Payment Calculation Years not disclosed. |  | Reviewer Comment (2022-12-01): SitusAMC received xxxxxx Final CD reflecting payment calculation years. | 12/01/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 780379 | xxxxxx | 27310273 | xxxxxx | 11/29/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Calculation Years | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxxxx did not disclose a range of years. (ProjSeq:4/2074875) | TRID Final Closing Disclosure Payment Calculation Years not disclosed. |  | Reviewer Comment (2022-12-01): SitusAMC received xxxxxx Final CD reflecting payment calculation years. | 12/01/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 781375 | xxxxxx | 27341019 | xxxxxx | 12/01/2022 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | Per guidelines, the cash out seasoning requirement is 6 months. Per title commitment and fraud report, borrowers were added to title on xxxxxx , which is 5 months prior to subject loan closing. The two additional individuals on the title commitment are not on the subject loan transaction; therefore, cash-out seasoning requirement of 6 months was not met. | 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>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2023-01-11): Client elects to waive with verified compensation factors |  |  | 09/17/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781375 | xxxxxx | 27341531 | xxxxxx | 12/01/2022 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed |  | The title commitment provided reflects 4 individuals; however, security instrument only reflects borrower and co-borrower. Please provide deed signed at closing removing the additional 2 individuals listed on the title commitment. |  | Reviewer Comment (2022-12-05): Deed provided | 12/05/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781375 | xxxxxx | 27341535 | xxxxxx | 12/01/2022 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2023-01-05): FTP provided | 01/05/2023 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781375 | xxxxxx | 27341541 | xxxxxx | 12/01/2022 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  |  | Reviewer Comment (2023-01-05): FTP provided | 01/05/2023 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781375 | xxxxxx | 27341553 | xxxxxx | 12/01/2022 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx , Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2022-12-01): Cleared report provided | 12/01/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781375 | xxxxxx | 27341594 | xxxxxx | 12/01/2022 | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.73015% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.73015%). |  |  | Reviewer Comment (2022-11-28): Client elects to waive |  |  | 11/28/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 781375 | xxxxxx | 27341595 | xxxxxx | 12/01/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xxxxxx contains a change in APR and was not received by borrower at least three (3) business days prior to consummation |  |  | Reviewer Comment (2023-01-11): Client elects to waive. SOL 1 year expires xxxxxx .<br>Reviewer Comment (2023-01-06): SitusAMC received lender rebuttal The example provided in the CFPB FAQ indicates that if BOTH the APR and finance charge are overstated because the interest rate has decreased, the APR is considered accurate. Importantly, the CFPB FAQ example referenced states "if the APR AND finance charge are overstated because the interest rate has decreased, the APR is considered accurate". This means both the APR and the finance charge must be overstated for this tolerance provision to apply.<br> On the subject transaction, while the APR was overstated and decreased from the xxxxxx CD of 9.339% to the xxxxxx CD of 9.041%, the disclosed finance charge was not overstated as it increased from $305,965.98 on the xxxxxx to $336,388.61 on the xxxxxx CD. Accordingly, the tolerance provision under 1026.22(a)(4) and (5) which is the basis for the CFPB FAQ example is not applicable to this transaction.<br>Reviewer Comment (2022-12-23): On this loan, the APR became inaccurate from the xxxxxx to the final xxxxxx CD because of changes to the loan terms (loan amount change and interest rate change). Accordingly, the APR disclosed on the final CD is considered to have become inaccurate as compared to the APR disclosed on the prior CD as defined under 1026.22 because the disclosed APR on the final CD dated xxxxxx is 9.0410% or 1/8 of a percent or more above or below the previously disclosed APR on the xxxxxx of 9.339%. As the finance charge disclosed to the consumer on the xxxxxx was less than the finance charge disclosed to the consumer on the xxxxxx CD, the overstated APR was not based on an overstated finance charge. Therefore, an additional 3 day waiting period is required pursuant to 1026.19(f)(2)(ii)(A) which refers to 1026.22 to determine if APR became inaccurate.<br>Reviewer Comment (2022-12-20): SitusAMC received rebuttal that xxxxxx CD which had rate & APR change was signed on xxxxxx. However, the issue relates to the Final CD dated xxxxxx and signed on xxxxxx the date of closing. xxxxxx CD reflects APR of 9.339% then APR changes again over .125% to $9.041% on the xxxxxx Final CD. This change was not received by the borrower 3 business days prior to closing. No other CDs in file between the xxxxxx and xxxxxx CDs. |  |  | 01/11/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781375 | xxxxxx | 27341596 | xxxxxx | 12/01/2022 | 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 $3,223.75 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | Zero Percent Fee Tolerance exceeded. The changed circumstance forms provided do not list any valid reasons for a change in fees. |  | Reviewer Comment (2022-12-20): SitusAMC received rale lock and LOE discount points increased prior to lock. | 12/20/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 781375 | xxxxxx | 27341597 | xxxxxx | 12/01/2022 | 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 $5,087.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7325) | Zero Percent Fee Tolerance exceeded. The changed circumstance forms provided do not list any valid reasons for a change in fees. |  | Reviewer Comment (2022-12-20): SitusAMC received rale lock and LOE | 12/20/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 781375 | xxxxxx | 27341598 | xxxxxx | 12/01/2022 | 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 $1,017.50 exceeds tolerance of $880.00. Insufficient or no cure was provided to the borrower. (8304) | Zero Percent Fee Tolerance exceeded. The changed circumstance forms provided do not list any valid reasons for a change in fees. |  | Reviewer Comment (2022-12-21): SitusAMC received xxxxxx and as per associated comment.<br>Reviewer Comment (2022-12-20): SitusAMC received LOE but it does not give sufficient information on why the Transfer tax fee increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase/added 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. | 12/21/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 779994 | xxxxxx | 27339396 | xxxxxx | 11/29/2022 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2022-12-06): FTP provided | 12/06/2022 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 779994 | xxxxxx | 27358235 | xxxxxx | 11/29/2022 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Provide the deed transferring the property to the borrower. | 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.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-16): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-08): The exception was to transfer title at time of closing which would be done by a deed. The deed needs to be provided.<br>Reviewer Comment (2022-12-06): The deed needs to be provided from xxxxxx to our borrower to determine when the borrower was vested on title as this is a refinance transaction..<br>Reviewer Comment (2022-12-05): The deed provided is for the borrower from sole and separate to unmarried. Need deed from current vested party xxxxxx to borrower. |  |  | 12/16/2022 | 2 | D B | D B | D | B D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 779994 | xxxxxx | 27359262 | xxxxxx | 11/29/2022 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | Borrower is not currently vested on title. Lender exception is in file to transfer at time of closing. Must be approved by the investor. | 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.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-02): Client elects to waive with verified compensation factors |  |  | 12/02/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 779994 | xxxxxx | 27359869 | xxxxxx | 11/29/2022 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | The estimated settlement statement was provided |  | Reviewer Comment (2022-12-06): Final SS provided<br>Reviewer Comment (2022-12-01): The same document was provided that was in file at time of review. The document provided reflects Estimated at the top. | 12/06/2022 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 779994 | xxxxxx | 27396266 | xxxxxx | 11/29/2022 | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | Per the xxxxxx, both taxes and insurance are required to be escrowed. Only taxes are escrowed. | 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.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-01): Client elects to waive with verified compensation factors |  |  | 12/01/2022 | 2 | B | B |  | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 779950 | xxxxxx | 27399578 | xxxxxx | 11/30/2022 | Credit | Guideline | Guideline Issue | Guideline | The Closing Disclosure or HUD-1 does not reflect that an escrow account for taxes and insurance was established as required by guidelines. |  | The final Closing Statement reflects escrow was established for the property taxes; however, the insurance escrow was not established as required by the guidelines. | Borrower's Experience/Track Record. The borrower has 3 Years of Experience. Currently holds xxxxxx Properties.<br>Credit Score 30+ points > minimum required | Reviewer Comment (2022-12-01): Client elects to waive with verified compensation factors |  |  | 12/01/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 779950 | xxxxxx | 27399900 | xxxxxx | 11/30/2022 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided |  | The master condo policy reflects flood insurance for buildings xxxxxx and xxxxxx; however, the subject property is located in building xxxxxx. |  | Reviewer Comment (2022-12-05): Updated flood cert provided. Zone xxxxxx | 12/05/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 779950 | xxxxxx | 27400093 | xxxxxx | 11/30/2022 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $70,083.43 is less than Cash From Borrower $70,195.87. | The verified assets are $70,083.43; however, the required funds to closing is $70,195.87. The file does contains a printout that reflects a balance of $74,807.03; however, the printout does not verify the balance date and any transaction history from the last printout to this printout; therefore, used the printout that contains the most recent date, transaction history and balance. | Borrower's Experience/Track Record. The borrower has 3 Years of Experience. Currently holds xxxxxx Properties.<br>Credit Score 30+ points > minimum required | Reviewer Comment (2022-12-01): Client elects to waive with verified compensation factors |  |  | 12/01/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 779964 | xxxxxx | 27410101 | xxxxxx | 12/01/2022 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Provide evidence of ownership in xxxxxx LLC. Articles in file do not reflect an owner. | 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. | Reviewer Comment (2022-12-16): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-15): The only document in file is the Filing Receipt for xxxxxx and does not reflect the borrower's name. Further, it should be noted, any individual can file the Articles on behalf of an LLC (attorney, CPA, etc) and does not prove ownership. |  |  | 12/16/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 779964 | xxxxxx | 27410152 | xxxxxx | 12/01/2022 | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | Per the xxxxxx, taxes and insurance are required to be escrowed. HOI was not escrowed. | 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. | Reviewer Comment (2022-12-08): Client elects to waive with verified compensation factors |  |  | 12/08/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 780023 | xxxxxx | 27410856 | xxxxxx | 12/05/2022 | 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 (2022-12-19): Received final title | 12/19/2022 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 780023 | xxxxxx | 27410857 | xxxxxx | 12/05/2022 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary Title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided |  | Reviewer Comment (2022-12-19): Received final title | 12/19/2022 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 780023 | xxxxxx | 27417425 | xxxxxx | 12/05/2022 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Estimate only in file |  | Reviewer Comment (2022-12-19): The Final Settlement Statement was provided. | 12/19/2022 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 780023 | xxxxxx | 27417474 | xxxxxx | 12/05/2022 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Address not reflected. Only street. |  | Reviewer Comment (2022-12-19): An updated Flood Cert was provided. | 12/19/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 779985 | xxxxxx | 27422508 | xxxxxx | 12/06/2022 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | Subject Property owned < 12 months. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-13): Client elects to waive with verified compensation factors |  |  | 12/13/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 779985 | xxxxxx | 27422577 | xxxxxx | 12/06/2022 | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | Hazard insurance escrow is missing from HUD. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-06): Client elects to waive with verified compensation factors |  |  | 12/06/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 779977 | xxxxxx | 27434675 | xxxxxx | 12/07/2022 | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | HOI is not escrowed | 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. | Reviewer Comment (2022-12-07): Client elects to waive with verified compensation factors |  |  | 12/07/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 779980 | xxxxxx | 27445387 | xxxxxx | 12/08/2022 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide verification of rent or verification of mortgage for the borrower's current residence. | 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. | Reviewer Comment (2022-12-09): Client elects to waive with verified compensation factors |  |  | 12/09/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 779980 | xxxxxx | 27453657 | xxxxxx | 12/08/2022 | Credit | Credit | Credit Eligibility | Guideline | Guideline Issue: Derogatory mortgage payments outside of credit guidelines |  | 5x30x24 | 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. | Reviewer Comment (2022-12-16): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-15): The investor must approve all exceptions. |  |  | 12/16/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 779980 | xxxxxx | 27453709 | xxxxxx | 12/08/2022 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Tax Liens / Balance: xxxxxx |  | 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. | Reviewer Comment (2022-12-07): Client elects to waive |  |  | 12/07/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 779995 | xxxxxx | 27445676 | xxxxxx | 12/08/2022 | Credit | Guideline | Guideline Issue | Guideline | The Closing Disclosure or HUD-1 does not reflect that an escrow account for taxes and insurance was established as required by guidelines. |  | The Closing Statement reflects escrow was established for the property taxes; however, the insurance escrow was not established as required by the program matrix. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's Experience/Track Record. The borrower has 4 Years of Experience. Currently holds 2 Properties. | Reviewer Comment (2022-12-09): Client elects to waive with verified compensation factors |  |  | 09/17/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 779995 | xxxxxx | 27445818 | xxxxxx | 12/08/2022 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection date: xxxxxx <br> Disaster End date: xxxxxx<br> Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx |  |  | Reviewer Comment (2022-12-15): PDI received dated xxxxxx: No Damage | 12/15/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 779995 | xxxxxx | 27454628 | xxxxxx | 12/08/2022 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | All pages of the appraisal at the bottom are cut off. Provide a clear copy. |  | Reviewer Comment (2022-12-19): The full appraisal was provided. | 12/19/2022 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 779995 | xxxxxx | 34486078 | xxxxxx | 09/17/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The guidelines require a minimum of $300,000 for liability insurance. The policy provided has liability coverage of xxxxxx. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's Experience/Track Record. The borrower has 4 Years of Experience. Currently holds 2 Properties. | Reviewer Comment (2025-09-17): The client elects to waive with comp factors. |  |  | 09/17/2025 | 2 | B | B |  | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 780044 | xxxxxx | 27455387 | xxxxxx | 12/08/2022 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Provide evidence of ownership in xxxxxx |  | Reviewer Comment (2022-12-14): Evidence of ownership provided | 12/14/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 780044 | xxxxxx | 27455410 | xxxxxx | 12/08/2022 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  |  | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-15): Client elects to waive with verified compensation factors |  |  | 12/15/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 778448 | xxxxxx | 27341159 | xxxxxx | 12/01/2022 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the VOR for 12 months for the borrower's current primary residence. If from a private landlord, cancelled checks will also be required. | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-07): Client elects to waive with verified compensation factors<br>Reviewer Comment (2022-12-06): We need the VOR to verify the cancelled checks are for the current residence, terms, payment and landlord. Investor can elect to waive with verified comp factors.<br>Reviewer Comment (2022-12-05): Cancelled checks provided. Pending receipt of VOR or Lease verifying rent payments, term, landlord, and property address. |  |  | 12/07/2022 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 778448 | xxxxxx | 27390121 | xxxxxx | 12/01/2022 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception in file to allow the use of the Lease income vs. Schedule E income. | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-11-29): Client elects to waive with verified compensation factors |  |  | 11/29/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 778448 | xxxxxx | 27390162 | xxxxxx | 12/01/2022 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx VVOE - Employment Only | The VVOE in file is dated post closing. Guidelines require the VVOE to be dated within 10 business days prior to closing. |  | Reviewer Comment (2022-12-05): VVOE provided | 12/05/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 781985 | xxxxxx | 27452522 | xxxxxx | 12/09/2022 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 75.00000% exceeds Guideline loan to value percentage of 70.00000%. | Borrower is a FTI. Max LTV 75%. State on the CBSA list, therefore 5% LTV deduction applies. Max LTV is 70%. |  | Reviewer Comment (2022-12-14): Per the investor email clarification, the 5% CBSA deduction is based off the DSCR program as a whole vs. the borrower/property type restrictions. FICO 700+, DSCR > 1.00, Loan amount <$1MIL, Purchase, max LTV 80% with the 5% CBSA LTV deduction. Max 75% LTV. FTI investor capped at 75% LTV. Per the investor, the 5% deduction is not taken off the cap for the FTI but off the program as a whole. | 12/14/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 780827 | xxxxxx | 27508322 | xxxxxx | 12/21/2022 | 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 (2023-02-03): FTP provided | 02/03/2023 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 780827 | xxxxxx | 27508341 | xxxxxx | 12/21/2022 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date xxxxxx; Disbursement date: xxxxxx; Note date: xxxxxx; Transaction date: xxxxxx |  | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2023-01-27): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-01-23): The post close policy cannot be taken in lieu of the pre-close. The pre-close policy must be corrected.<br>Reviewer Comment (2022-12-27): The pre-close policy was provided, however does not reflect the mortgagee+ ISAOA.<br>Reviewer Comment (2022-12-23): The HOI policy received is not for the subject property, it states it is for a property on xxxxxx. Please provide subject property HOI with an effective date prior to when funds were disbursed. |  |  | 01/27/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 780827 | xxxxxx | 27508389 | xxxxxx | 12/21/2022 | 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 1.08 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.50. | Investor exception in file. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-16): Client elects to waive |  |  | 12/16/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 780827 | xxxxxx | 27508440 | xxxxxx | 12/21/2022 | Credit | Missing Document | General | Missing Document | Missing Document: Cancelled Check(s) not provided |  | VOR is from a private landlord. 6 months cancelled checks required. |  | Reviewer Comment (2023-02-09): Cancelled checks provided<br>Reviewer Comment (2023-01-30): 6 months consecutive cancelled checks are required. The checks provided for the borrower's current residence on xxxxxx, per the VOR, reflects started on xxxxxx. Checks provided from xxxxxx to xxxxxx xxxxxx, however the backs were not provided to support they are cancelled. They were paid by an outside party for the borrower per the seller in which only partial payments are documented being transferred to this individual. Per the seller a portion of the rent was paid by the father. Need full cancelled checks for xxxxxx to xxxxxx xxxxxx.<br>Reviewer Comment (2023-01-05): There is no way to verify the seller's comments with the borrower paying the father, who then pays the landlord, and then chips in some of the rent. Investor exception will be required. | 02/09/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 780827 | xxxxxx | 27508455 | xxxxxx | 12/21/2022 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2023-02-03): FTP provided | 02/03/2023 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 780827 | xxxxxx | 27508458 | xxxxxx | 12/21/2022 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Lien(s) negatively impacting title |  | There is judgment on title in favor of our borrower, however it was filed as a lien against the subject property. Provide the clear title policy. |  | Reviewer Comment (2022-12-23): Title supplement received stating item has been eliminated from the report. | 12/23/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 780370 | xxxxxx | 27518438 | xxxxxx | 12/22/2022 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Lender Approval or 1008 required per guidelines; missing from file. |  | Reviewer Comment (2023-01-04): 1008 w/ UW name provided | 01/04/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 780506 | xxxxxx | 27523286 | xxxxxx | 12/27/2022 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  | Reviewer Comment (2022-12-27): Ops Agreement provided | 12/27/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 780506 | xxxxxx | 27523292 | xxxxxx | 12/27/2022 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  | Reviewer Comment (2022-12-27): Ops Agreement provided. Per guidelines, single member entities, the SSN for the Guarantor can be utilized in place of the EIN. | 12/27/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 780506 | xxxxxx | 27523308 | xxxxxx | 12/27/2022 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  | Reviewer Comment (2022-12-27): Articles provided | 12/27/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 780506 | xxxxxx | 27523309 | xxxxxx | 12/27/2022 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  | Reviewer Comment (2022-12-27): COGS provided | 12/27/2022 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 780506 | xxxxxx | 27523468 | xxxxxx | 12/27/2022 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2022-12-27): CDA provided | 12/27/2022 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 780506 | xxxxxx | 27547412 | xxxxxx | 12/27/2022 | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | Investor exception in file | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2022-12-27): Client elects to waive with verified compensation factors |  |  | 12/27/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 783054 | xxxxxx | 27548817 | xxxxxx | 12/30/2022 | 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 (2023-01-04): FTP provided | 01/04/2023 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 783054 | xxxxxx | 27548821 | xxxxxx | 12/30/2022 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2023-01-04): FTP provided | 01/04/2023 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 783054 | xxxxxx | 27548828 | xxxxxx | 12/30/2022 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2023-01-04): Fraud Report provided with OFAC | 01/04/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 783054 | xxxxxx | 27548829 | xxxxxx | 12/30/2022 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2023-01-04): Cleared fraud report | 01/04/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 783054 | xxxxxx | 27549323 | xxxxxx | 12/30/2022 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2023-01-04): CDA provided | 01/04/2023 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 783054 | xxxxxx | 27549503 | xxxxxx | 12/30/2022 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 70.00000% exceeds Guideline loan to value percentage of 65.00000%. | Max LTV for a xxxxxx unit is 70% for refinances. 5% LTV deduction for any vacant units. ADU is vacant and used to qualify. Max LTV for program is 65%. |  | Reviewer Comment (2023-01-11): Lease agreement provided for ADU. No unleased properties. Max 70% LTV. | 01/11/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 783054 | xxxxxx | 27582044 | xxxxxx | 01/04/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per guidelines, investor will purchase a xxxxxx-unit property with an accessory unit. The property is a xxxxxx unit with an accessory unit. | 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 Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Reviewer Comment (2023-01-12): Client elects to waive with verified compensation factors |  |  | 01/12/2023 | 2 | B | B |  | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 783054 | xxxxxx | 27610579 | xxxxxx | 01/11/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per guidelines, for an ADU, on refinances, the ADU must be documented with a lease and 2 months rent receipt. Lease provided only. | 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 Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Reviewer Comment (2023-01-11): Client elects to waive with verified compensation factors |  |  | 01/11/2023 | 2 | B | B |  | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 782577 | xxxxxx | 27553818 | xxxxxx | 01/03/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per final title provided, subject property is a leasehold; however, appraisal provided is checked "fee simple". Please provide corrected appraisal report. |  | Reviewer Comment (2023-01-18): Updated appraisal provided | 01/18/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 782577 | xxxxxx | 27553989 | xxxxxx | 01/03/2023 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Per final 1003, borrower has rented current residence for 2 years, with a payment of $4,592 per month; however, loan file is missing the required VOR. If non-institutional lender, 12 months canceled checks will also be required as borrower is a FTHB. |  | Reviewer Comment (2023-01-05): VOR from management company provided | 01/05/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 782577 | xxxxxx | 27554081 | xxxxxx | 01/03/2023 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2023-01-05): Approval provided | 01/05/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 782577 | xxxxxx | 27554091 | xxxxxx | 01/03/2023 | Credit | Guideline | Guideline Issue | Guideline | Program Guidelines require the borrower has been in business for a minimum of 2 years. |  | Guidelines require borrower to be self-employed for 2 years. Per final 1003, borrower has owned business since xxxxxx xxxxxx, which is less than 2 years from Note date of xxxxxx . Loan file contains investor exception request. | 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'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 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. | Reviewer Comment (2023-01-04): Client elects to waive with verified compensation factors |  |  | 01/04/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 782577 | xxxxxx | 27554097 | xxxxxx | 01/03/2023 | Credit | Collateral | Missing/Incorrect | Collateral | Missing document: Lease on leasehold property is not in file |  | Per final title, subject property is a leasehold and lease was not provided. | 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'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 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. | Reviewer Comment (2023-02-03): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-02-02): A Summary of the leasehold agreement was provided. The actual full leasehold agreement must be provided or investor can elect to waive with valid comp factors.<br>Reviewer Comment (2023-01-23): The leasehold agreement was not provided. Only copy of memorandum to lease modification. Provide the complete leasehold agreement along with any monthly leasehold rents. |  |  | 02/03/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 782577 | xxxxxx | 27554116 | xxxxxx | 01/03/2023 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2023-01-05): Clearance Report provided | 01/05/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 782577 | xxxxxx | 27554368 | xxxxxx | 01/03/2023 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | Missing evidence of appraisal delivery to borrower at least 3 business days prior to consummation. |  | Reviewer Comment (2022-12-28): Client elects to waive |  |  | 12/28/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 782577 | xxxxxx | 27554369 | xxxxxx | 01/03/2023 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.73150% or Final Disclosure APR of 8.76500% is equal to or greater than the threshold of APOR 6.37% + 1.5%, or 7.87000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2023-02-16): Delivery provided<br>Reviewer Comment (2023-02-16): The document provided does not reflect the updated appraisal was delivered and is dated xxxxxx . The updated appraisal was completed xxxxxx <br>Reviewer Comment (2023-02-14): The document provided does not reflect the updated appraisal was delivered and is dated xxxxxx . The updated appraisal was completed xxxxxx <br>Reviewer Comment (2023-01-23): EXCEPTION HISTORY - Exception Detail was updated on xxxxxx PRIOR Exception Detail: Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.73150% or Final Disclosure APR of 8.76500% is in excess of allowable threshold of APOR 6.37% + 1.5%, or 7.87000%. Non-Compliant Higher Priced Mortgage Loan.<br>Reviewer Comment (2023-01-18): Re-opened. Updated appraisal received. Need evidence updated appraisal was delivered to the borrower.<br>Reviewer Comment (2023-01-11): Delivery provided<br>Reviewer Comment (2023-01-05): The appraisal delivery provided reflects the appraisal was sent on xxxxxx , however the report in file was not completed until xxxxxx . Provide evidence the appraisal was delivered to the borrower within 3 business days prior to consummation. | 02/16/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 782577 | xxxxxx | 27554370 | xxxxxx | 01/03/2023 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | Missing evidence of appraisal delivery to borrower at least 3 business days prior to consummation. |  | Reviewer Comment (2023-02-16): Delivery provided<br>Reviewer Comment (2023-02-16): The document provided does not reflect the updated appraisal was delivered and is dated xxxxxx . The updated appraisal was completed xxxxxx <br>Reviewer Comment (2023-02-14): The document provided does not reflect the updated appraisal was delivered and is dated xxxxxx . The updated appraisal was completed xxxxxx <br>Reviewer Comment (2023-01-23): EXCEPTION HISTORY - Exception Detail was updated on xxxxxx PRIOR Exception Detail: TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx <br>Reviewer Comment (2023-01-18): Re-opened. Updated appraisal received. Need evidence updated appraisal was delivered to the borrower.<br>Reviewer Comment (2023-01-11): Delivery provided<br>Reviewer Comment (2023-01-05): The appraisal delivery provided reflects the appraisal was sent on xxxxxx , however the report in file was not completed until xxxxxx . Provide evidence the appraisal was delivered to the borrower within 3 business days prior to consummation. | 02/16/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 782577 | xxxxxx | 27554371 | xxxxxx | 01/03/2023 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) xxxxxx Subprime Loan (Counseling Disclosure Not Provided) | xxxxxx Subprime Loan: Counseling Disclosure not provided to borrower. | Document in file is not dated to determine whether it was delivered at the time of application as required. |  | Reviewer Comment (2022-12-28): Client elects to waive |  |  | 12/28/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | No obvious cure C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 782577 | xxxxxx | 27554372 | xxxxxx | 01/03/2023 | Compliance | Compliance | State Compliance | State HPML | xxxxxx Subprime Home Loan Threshold Fixed Non-Compliant | xxxxxx Subprime Loan: APR on subject loan of 8.73150% or Final Disclosure APR of 8.76500% is in excess of allowable threshold of Prime Mortgage Market Rate 6.33000 + 1.75%, or 8.08000%. Non-Compliant SubPrime Loan. |  |  | Reviewer Comment (2022-12-28): Client elects to waive |  |  | 12/28/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | (Limited Use Bona Fide Errors - Compliance and Client Approval Required) With no time limit for which a cure may be made, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the subprime home loan threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 782577 | xxxxxx | 27554373 | xxxxxx | 01/03/2023 | 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 Title - Abstract / Title Search. Fee Amount of $640.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77163) | Zero percent fee tolerance exceeded. |  | Reviewer Comment (2023-01-19): SitusAMC Received PCCD, LOE, Copy of check and delivery report for the cure provided.<br>Reviewer Comment (2023-01-05): SitusAMC received Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the Title - Abstract / Title Search fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid Changed Circumstance or cure requirements of Corrected CD, LOE to borrower, proof of mailing and copy of refund check are required. |  | 01/19/2023 |  | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 782577 | xxxxxx | 27926185 | xxxxxx | 02/16/2023 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2023-02-16): Client elects to waive |  |  | 02/16/2023 | 2 | B | B |  | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 782816 | xxxxxx | 27554543 | xxxxxx | 01/03/2023 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  |  |  | Reviewer Comment (2023-01-05): PC provided | 01/05/2023 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Primary | Purchase | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 782816 | xxxxxx | 27554728 | xxxxxx | 01/03/2023 | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.75338% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .75338%). |  |  | Reviewer Comment (2022-12-29): Client elects to waive |  |  | 12/29/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 782816 | xxxxxx | 27554729 | xxxxxx | 01/03/2023 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | The file is missing the initial escrow account disclosure. |  | Reviewer Comment (2022-12-29): Client elects to waive |  |  | 12/29/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 782816 | xxxxxx | 27554730 | xxxxxx | 01/03/2023 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxxxx disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2087214) | The final Closing Disclosure reflects the hazard insurance payment as $185.57 per month; however, the insurance policy reflects the annual premium is $2,262.82 or $188.57 per month. |  | Reviewer Comment (2023-01-06): SitusAMC received Letter of Explanation & Corrected Closing Disclosure. |  | 01/06/2023 |  | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 782816 | xxxxxx | 27554731 | xxxxxx | 01/03/2023 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. (Final xxxxxx) | The final Closing Disclosure reflects the hazard insurance payment as $185.57 per month; however, the insurance policy reflects the annual premium is $2,262.82 or $188.57 per month. |  | Reviewer Comment (2022-12-28): Sufficient Cure Provided At Closing |  | 12/28/2022 |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 782816 | xxxxxx | 27554737 | xxxxxx | 01/03/2023 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note is not on a xxxxxx/xxxxxx form and does not contain the standard Due on Sale clause. |  |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2022-12-29): Client elects to waive |  |  | 12/29/2022 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 782816 | xxxxxx | 27554745 | xxxxxx | 01/03/2023 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification | The file is missing insurance verification for the investment property located on xxxxxx |  | Reviewer Comment (2023-01-05): Property profile report provided - Vacant land | 01/05/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 781923 | xxxxxx | 27571626 | xxxxxx | 01/05/2023 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2023-01-11): Approval provided<br>Reviewer Comment (2023-01-09): The document provided is the rate lock vs. approval. Provide the 1008 w/ UW name or the Lender's Approval with conditions. | 01/11/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 781923 | xxxxxx | 27571933 | xxxxxx | 01/05/2023 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2023-01-09): UDM provided | 01/09/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 781923 | xxxxxx | 27572193 | xxxxxx | 01/05/2023 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | An acknowledgement of receipt of appraisal was not provided to the borrower within three business days prior to consummation. |  | Reviewer Comment (2023-01-03): Client elects to waive |  |  | 01/03/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 781923 | xxxxxx | 27575279 | xxxxxx | 01/05/2023 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Provide evidence of receipt of the gift funds for $1,485. |  | Reviewer Comment (2023-01-11): Funds utilized for collection paid directly by son. Bank statements and supplement provided.<br>Reviewer Comment (2023-01-11): Proof will need to be provided of payment for that collection account for the son. It is still gift funds received. Investor can elect to waive. | 01/11/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 781923 | xxxxxx | 27575302 | xxxxxx | 01/05/2023 | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | Investor exception in file. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2023-01-03): Client elects to waive with verified compensation factors |  |  | 01/03/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 782313 | xxxxxx | 27575491 | xxxxxx | 01/06/2023 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Per guidelines, the gift letter must indicate the date the funds were or will be transferred. The file contains two gift letters; however, neither contain the date the funds were transferred. The deposit/wire receipts have no bearing on this. | 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 Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-01-06): Client elects to waive with verified compensation factors |  |  | 01/06/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 782313 | xxxxxx | 27575546 | xxxxxx | 01/06/2023 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The list was provided; however, it was not dated to determine if it was obtained within 10 days of application date. |  | Reviewer Comment (2023-01-03): Client elects to waive |  |  | 01/03/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 782313 | xxxxxx | 27575547 | xxxxxx | 01/06/2023 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Amount of Non-Escrowed Property Costs over Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of xxxxxx on Final Closing Disclosure provided on xxxxxx not accurate. (Final xxxxxx) |  |  | Reviewer Comment (2023-01-03): Client elects to waive |  |  | 01/03/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 782313 | xxxxxx | 27575549 | xxxxxx | 01/06/2023 | 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 HOA/Condo Questionnaire. Fee Amount of $300.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75215) | Zero percent fee tolerance exceeded. The Change of circumstance form provided does not list a valid reason for the addition of the HOA/Condo Questionnaire Fee. |  | Reviewer Comment (2023-01-18): SitusAMC received Letter of Explanation, Copy of Refund Check, Proof of mailing and Corrected CD.<br>Reviewer Comment (2023-01-18): SitusAMC received PCCD, copy of check and proof of delivery. LOE document is blank. Please provide LOE to cure this exception.<br>Reviewer Comment (2023-01-12): SitusAMC received Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the HOA Questionnaire fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase/added 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. |  | 01/18/2023 |  | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 782368 | xxxxxx | 27585555 | xxxxxx | 01/11/2023 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2023-01-11): Approval provided | 01/11/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 782509 | xxxxxx | 27619531 | xxxxxx | 01/19/2023 | 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 12.00. | Guidelines for foreign national borrowers state foreign assets may be used for closing/reserves if they are transferred to a xxxxxx account in the borrower's name at least 10 days prior to closing. The funds in borrower's foreign account for reserves were not transferred to a xxxxxx account in borrower's name as required. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2023-01-30): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-01-23): This specific bank's branch number is xxxxxx which a lookup shows is in xxxxxx. It is irrelevant if xxxxxx has xxxxxx locations. The current assets are all in a Foreign Account and guidelines require them to be in xxxxxx account. Investor can elect to waive with verified compensation factors. |  |  | 01/30/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 782509 | xxxxxx | 27619538 | xxxxxx | 01/19/2023 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage provided is insufficient in the amount of $21,000. Please provide increased HOI coverage or Replacement Cost Estimator. |  | Reviewer Comment (2023-01-23): Guideline are not specific to HOI coverage. xxxxxx addendum provided reflecting 100% replacement cost. | 01/23/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 783543 | xxxxxx | 27729980 | xxxxxx | 02/01/2023 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, xxxxxx, xxxxxx, Address: xxxxxx, xxxxxx, xxxxxx, Address: xxxxxx, xxxxxx, xxxxxx, Address: xxxxxx Other<br> Other<br> Other<br> Other | File is missing evidence that the borrower's additional REOs on xxxxxx, and primary REO on xxxxxx are owned free and clear. |  | Reviewer Comment (2023-02-06): Property profile reports reflecting F&C provided | 02/06/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 783651 | xxxxxx | 27728910 | xxxxxx | 02/02/2023 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2023-02-16): Approval provided<br>Reviewer Comment (2023-02-09): No new documentation provided for this condition. Please try uploading again. | 02/16/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 783651 | xxxxxx | 27729992 | xxxxxx | 02/02/2023 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx, Valuation Type: Desk Review / Valuation Report date: xxxxxx | Subject street name on both valuations does not reflects the unit. |  | Reviewer Comment (2023-02-28): Corrected CDA provided<br>Reviewer Comment (2023-02-27): Corrected appraisal received. Pending receipt of corrected CDA | 02/28/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 783651 | xxxxxx | 27730002 | xxxxxx | 02/02/2023 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2023-02-09): Cleared report p provided | 02/09/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 783651 | xxxxxx | 27753192 | xxxxxx | 02/02/2023 | Credit | Missing Document | General | Missing Document | Missing Document: Cancelled Check(s) not provided |  | Subject Property: For VOMs tied to private mortgages – 12 months recent cancelled checks and/or bank statements are required to support the VOM provided as well as a copy of the original note plus any additional riders or subsequent modifications to ensure the loan being paid off is current. | 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 Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Reviewer Comment (2023-02-24): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-02-16): A lookup of the LLC on the VOM reflects it is owned by an individual/Trust. This would be considered a private lender. |  |  | 02/24/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 784562 | xxxxxx | 27849919 | xxxxxx | 02/09/2023 | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | Hazard Insurance was not escrowed on the HUD as required by guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-02-13): Client elects to waive with verified compensation factors |  |  | 02/13/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 784562 | xxxxxx | 27849922 | xxxxxx | 02/09/2023 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-02-13): Client elects to waive with verified compensation factors |  |  | 02/13/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 784562 | xxxxxx | 27849929 | xxxxxx | 02/09/2023 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection date: xxxxxx <br> Disaster End date: xxxxxx<br> Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx |  |  | Reviewer Comment (2023-03-01): PDI received dated xxxxxx: No Damage | 03/01/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 784012 | xxxxxx | 27813184 | xxxxxx | 02/09/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per guidelines for condominiums, an investor concentration of up to 60% is allowed. Per the HOA questionnaire, xxxxxx units are investor owned, or 65.60%, which exceeds the guideline maximum. Loan file contains investor exception request. | 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. | Reviewer Comment (2023-02-06): Client elects to waive with verified compensation factors |  |  | 02/06/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 784012 | xxxxxx | 27813911 | xxxxxx | 02/09/2023 | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.92644% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.92644%). |  |  | Reviewer Comment (2023-02-06): Client elects to waive |  |  | 02/06/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 784012 | xxxxxx | 27813912 | xxxxxx | 02/09/2023 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 - xxxxxx Testing | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of xxxxxx on Final Closing Disclosure provided on xxxxxx not accurate. (Final xxxxxx) |  |  | Reviewer Comment (2023-02-06): Client elects to waive |  |  | 02/06/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 784012 | xxxxxx | 27813913 | xxxxxx | 02/09/2023 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure xxxxxx on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final xxxxxx | There were no seller paid fees disclosed on the final closing disclosure and file is missing the Seller CD. |  | Reviewer Comment (2023-02-13): SitusAMC received Seller CD. | 02/13/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 784974 | xxxxxx | 27925664 | xxxxxx | 02/16/2023 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  |  |  | Reviewer Comment (2023-02-28): Tax Cert provided<br>Reviewer Comment (2023-02-22): The document provided only reflects taxes from xxxxxx. | 02/28/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 784974 | xxxxxx | 27925683 | xxxxxx | 02/16/2023 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Deposit not provided |  | Proof of rent collection for at least 6 consecutive months for month-to-month leases. | 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.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-03-10): Client elects to waive with verified compensation factors |  |  | 03/10/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 784974 | xxxxxx | 27925697 | xxxxxx | 02/16/2023 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the Loan Agreement. | 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.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-03-09): Client elects to waive with verified compensation factors |  |  | 03/09/2023 | 2 | C B | C B | C | B D | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 784974 | xxxxxx | 27925702 | xxxxxx | 02/16/2023 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx, xxxxxx Limited Liability Company | Not provided for the Entity. | 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.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-03-09): Client elects to waive with verified compensation factors |  |  | 03/09/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 784974 | xxxxxx | 27925709 | xxxxxx | 02/16/2023 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Loan to Cost (LTC) exceeds the maximum allowed per guidelines. | Calculated Loan to Cost (LTC) of 155.62500% exceeds the maximum allowed per guidelines. Guideline Loan to Cost (LTC) 90.00000%. | • Where Cost Basis is a constraining factor pursuant to xxxxxx guidelines, xxxxxx will not purchase any loans with an UPB/LTC >90% | 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.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-03-10): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-02-28): Calculation: total loan amount divided by total cost of<br> ▪ Acquisition cost<br> ▪ Paid cost of improvement<br>Reviewer Comment (2023-02-22): This is an investor overlay to the lender's guidelines. Further, the guidelines for xxxxxx state owned for 180 days or less. Property was purchased xxxxxx . |  |  | 03/10/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 783138 | xxxxxx | 27984483 | xxxxxx | 02/22/2023 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed |  | Vesting on the title commitment provided indicates tenants by the entirety; however, security instrument reflects a married woman. Please provide either deed signed at closing or final title policy. |  | Reviewer Comment (2023-02-24): Updated title commitment provided | 02/24/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 783138 | xxxxxx | 27984618 | xxxxxx | 02/22/2023 | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.99007% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .99007%). |  |  | Reviewer Comment (2023-02-20): Client elects to waive |  |  | 02/20/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 783138 | xxxxxx | 27984619 | xxxxxx | 02/22/2023 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) xxxxxx Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | xxxxxx Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  | Reviewer Comment (2023-02-20): Client elects to waive |  |  | 02/20/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 783138 | xxxxxx | 27984620 | xxxxxx | 02/22/2023 | Compliance | Compliance | State Compliance | State HPML | xxxxxx HPML Threshold Test Non-Compliant | xxxxxx Higher-Priced Mortgage Loan: APR on subject loan of 10.76210% or Final Disclosure APR of 10.83300% is equal to or greater than the threshold of APOR 6.49% + 1.5%, or 7.99000%. Non-Compliant Higher Priced Loan. |  |  | Reviewer Comment (2023-02-20): Client elects to waive |  |  | 02/20/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 783138 | xxxxxx | 27984622 | xxxxxx | 02/22/2023 | 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 $3,844.13 exceeds tolerance of $3,090.00. Insufficient or no cure was provided to the borrower. (7200) | Zero percent fee tolerance exceeded. |  | Reviewer Comment (2023-02-23): SitusAMC received valid COC dated xxxxxx . | 02/23/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 784091 | xxxxxx | 28016574 | xxxxxx | 03/01/2023 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | The CDA address is missing xxxxxx. |  | Reviewer Comment (2023-03-06): Corrected CDA received | 03/06/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 784091 | xxxxxx | 28176922 | xxxxxx | 03/22/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Amendment to Promissory Note provided adding a PPP, executed by the borrower, however the Note does not reflect the Borrowing Entity on the signature line as well as the LOE to borrower was not provided. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-03-22): Client elects to waive with verified compensation factors |  |  | 03/22/2023 | 2 | B | B |  | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 784091 | xxxxxx | 28176927 | xxxxxx | 03/22/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The PPP terms do not meet the guideline requirements. Allowable prepayments:Six (6) months of interest – The prepayment charge will be equal to six (6) months of interest on the amount of the prepayment that exceeds 20% of the original principal balance. The charge applies to loans that pay off due to sale or refinance, or curtailments that exceed 20% of the original principal balance in a given 12-month time period. (Not eligible under cross-collateral, xxxxxx unit, or xxxxxx mixed use.)<br> • A fixed percentage of no less than 3% - The prepayment charge will be equal to a fixed percentage and applied to any curtailment or the entire outstanding principal balance during the prepay period. The charge applies to loans that pay off due to sale or refinance.<br> • Declining structures that do not exceed 5% and do not drop below 3% in the first 3 years. For example: (5%/4% xxxxxx or (5%/4% xxxxxx – The prepayment charge will be equal to the percentage in effect and applied to any curtailment or the entire outstanding principal balance during the prepay period. The charge applies to loans that pay off due to sale or refinance. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-03-22): Client elects to waive with verified compensation factors |  |  | 03/22/2023 | 2 | B | B |  | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 784274 | xxxxxx | 28029493 | xxxxxx | 03/02/2023 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-xxxxxx Citizen Status not provided |  | Copies of the borrower's passport and unexpired visa must be obtained for both borrowers - Non-Perm Resident | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2023-03-09): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-03-09): Copies of the VISA's were provided. Pending receipt of the both Guarantor's unexpired passports. |  |  | 03/09/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 784274 | xxxxxx | 28029668 | xxxxxx | 03/02/2023 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) Security Instrument Error: Notary Date was not provided |  | Notary date not present. Missing page 10 of the security instrument. |  | Reviewer Comment (2023-03-09): Page 10 proivded | 03/09/2023 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 784274 | xxxxxx | 28058190 | xxxxxx | 03/02/2023 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | Provide the approved EIN. Only application in file. |  | Reviewer Comment (2023-03-09): EIN provided<br>Reviewer Comment (2023-03-09): There is conflicting information. The CPA letter states xxxxxx is 100% owner, however the Ops Agreement in file reflects xxxxxx is 51% owner and xxxxxx is 49% (who is also guarantying the loan). | 03/09/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 785783 | xxxxxx | 28093662 | xxxxxx | 03/13/2023 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  | Reviewer Comment (2023-04-14): Cert of good standing provided<br>Reviewer Comment (2023-03-15): The cert of filing is dated xxxxxx. Must be dated within 1 year of closing which is an investor requirement. | 04/14/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 785783 | xxxxxx | 28093690 | xxxxxx | 03/13/2023 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Hazard Insurance Policy lists Lender name only |  | Reviewer Comment (2023-03-22): Updated HOI provided<br>Reviewer Comment (2023-03-16): The condition states, the HOI policy in file only lists the lender's name only. The ISAOA is missing. | 03/22/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 785783 | xxxxxx | 28109862 | xxxxxx | 03/13/2023 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  |  | 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>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | Reviewer Comment (2023-03-28): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-03-15): Lender would like to waive |  |  | 03/28/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 785783 | xxxxxx | 28109899 | xxxxxx | 03/13/2023 | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. | Borrower: xxxxxx | Required on Entity loans in community property states. |  | Reviewer Comment (2023-04-12): Per investor, they are accepting the signed Guarantor Agreement by the non-borrowing spouse in lieu of a separate spousal consent form, even though non-borrowing spouse is not a Guarantor and no credit documents were provided.<br>Reviewer Comment (2023-04-10): The Guarantor Agreement was provided, however the individual is not a Guarantor on the loan nor any credit docs provided. The spousal consent is required. | 04/12/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 785783 | xxxxxx | 28109900 | xxxxxx | 03/13/2023 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2023-04-13): Cleared report provided<br>Reviewer Comment (2023-03-22): All the red flags were not cleared. The ones under third party were not addressed. | 04/13/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 785783 | xxxxxx | 28110459 | xxxxxx | 03/13/2023 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bylaws not provided |  | The Bylaws in file are for xxxxxx Incorporated. |  | Reviewer Comment (2023-04-18): Corrected Bylaws provided<br>Reviewer Comment (2023-03-15): The same bylaws were provided that were in file at time of review. Please see original condition. The Bylaws in file are for xxxxxx Incorporated. | 04/18/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 785735 | xxxxxx | 28105227 | xxxxxx | 03/15/2023 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2023-03-21): Approval provided | 03/21/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 785735 | xxxxxx | 28105294 | xxxxxx | 03/15/2023 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | 100% of the insurable value of the improvements, as established by the property insurer; or • the unpaid principal balance of the mortgage, as long as it at least equals the minimum amount—80% of the insurable value of the improvements. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-03-28): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-03-23): The RCE will need to be provided. The policy does not reflect ext replacements cost coverage but for the xxxxxx only. |  |  | 03/28/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 785735 | xxxxxx | 28105298 | xxxxxx | 03/15/2023 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | ISAOA is missing |  | Reviewer Comment (2023-03-24): Insurance agent confirmed should reflect ISAOA/Atima but cannot add to policy due to limited space. | 03/24/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 785735 | xxxxxx | 28105303 | xxxxxx | 03/15/2023 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2023-03-21): CDA provided | 03/21/2023 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 786297 | xxxxxx | 28137380 | xxxxxx | 03/22/2023 | 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 (2023-03-29): FTP provided | 03/29/2023 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 786297 | xxxxxx | 28137407 | xxxxxx | 03/22/2023 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2023-03-29): FTP provided | 03/29/2023 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 786297 | xxxxxx | 28137558 | xxxxxx | 03/22/2023 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Rate Lock documentation was not provided. |  | Reviewer Comment (2023-03-17): Client elects to waive |  |  | 03/17/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 786297 | xxxxxx | 28137600 | xxxxxx | 03/22/2023 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | FACTA Disclosure provided is dated xxxxxx which is the Closing Date. |  | Reviewer Comment (2023-03-17): Client elects to waive |  |  | 03/17/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 786064 | xxxxxx | 28177947 | xxxxxx | 03/28/2023 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2023-03-29): Supplement provided | 03/29/2023 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 786064 | xxxxxx | 28191906 | xxxxxx | 03/28/2023 | Credit | Credit | Credit Calculation / Analysis | Credit | Guideline Issue: Insufficient tradelines per credit guidelines |  | Foreign Nationals with xxxxxx credit: (2) open tradelines reporting for two (2) years with activity in the most recent 12 months | 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 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. | Reviewer Comment (2023-03-29): Client elects to waive with verified compensation factors |  |  | 03/29/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 786064 | xxxxxx | 28192002 | xxxxxx | 03/28/2023 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the Disbursement Date. | Hazard Insurance Policy Effective Date xxxxxx; Disbursement date: xxxxxx | Dry State: Effective date is after the disbursement date. | 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 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. | Reviewer Comment (2023-03-29): Client elects to waive with verified compensation factors |  |  | 03/29/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 786064 | xxxxxx | 28208823 | xxxxxx | 03/30/2023 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | The 1003 reflects a xxxxxx residence, however per the LOE in file, borrower owns and lives in their primary residence outside of the xxxxxx. Provide the corrected 1003. |  | Reviewer Comment (2023-03-31): Received<br>Reviewer Comment (2023-03-30): Meant to be an xxxxxx condition vs. xxxxxx. xxxxxx for the confusion. | 03/31/2023 |  |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 786776 | xxxxxx | 28192255 | xxxxxx | 04/03/2023 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  | Reviewer Comment (2023-04-10): Fraud Report and clearance LOE provided | 04/10/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 786776 | xxxxxx | 28192329 | xxxxxx | 04/03/2023 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $118,504.17 is less than Cash From Borrower $119,093.12. |  |  | Reviewer Comment (2023-04-12): POCB paid invoices received.<br>Reviewer Comment (2023-04-10): The same comments were provided that were previously rejected. Cash to close is calculated as funds to close + EMD + POCB fees + any adjustments/gifts/1031 funds. Total cash to close = $119,093.12. Verified funds funds, including EMD = $118,504.17.<br>Reviewer Comment (2023-04-07): Cash to close is calculated as funds to close + EMD + POCB fees + any adjustments/gifts/1031 funds. Condition remains. | 04/12/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 786776 | xxxxxx | 28192344 | xxxxxx | 04/03/2023 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | File is missing evidence of rate lock date. |  | Reviewer Comment (2023-03-28): Client elects to waive |  |  | 03/28/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 786776 | xxxxxx | 28192345 | xxxxxx | 04/03/2023 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List of Homeownership Counseling Organizations was provided; however, it is not dated to determine if it was obtained within 10 days of application date. |  | Reviewer Comment (2023-03-28): Client elects to waive |  |  | 03/28/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 785095 | xxxxxx | 28198692 | xxxxxx | 04/03/2023 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood Certificate reflects an address of xxxxxx. The Note reflects the address as xxxxxx. |  | Reviewer Comment (2023-04-07): Updated flood cert provided | 04/07/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 785578 | xxxxxx | 28204234 | xxxxxx | 04/03/2023 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2023-04-10): 1008 w/ UW name provided | 04/10/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 785578 | xxxxxx | 28204314 | xxxxxx | 04/03/2023 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  | Reviewer Comment (2023-04-24): Cleared Fraud Report provided | 04/24/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 785578 | xxxxxx | 28219527 | xxxxxx | 04/03/2023 | Credit | Credit | Credit Calculation / Analysis | Credit | Missing Document: Alternative Credit Documentation not provided |  | The credit report in file is a xxxxxx report. Per guidelines, only xxxxxx credit is allowed or alternative credit via credit reference letters or credit card statements. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2023-04-10): Client elects to waive with verified compensation factors |  |  | 04/10/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 785578 | xxxxxx | 28219535 | xxxxxx | 04/03/2023 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Mising Document: Closing Protection Letter not provided. |  | The CPL does not have the Entity as insured. |  | Reviewer Comment (2023-04-13): Updated CPL provided | 04/13/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 785578 | xxxxxx | 28219541 | xxxxxx | 04/03/2023 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  | Reviewer Comment (2023-04-24): Articles provided | 04/24/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 785578 | xxxxxx | 28219545 | xxxxxx | 04/03/2023 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  | Second section was not completed for Refinance Only. |  | Reviewer Comment (2023-04-13): Updated NOO provided<br>Reviewer Comment (2023-04-10): The updated NOO has the incorrect property address. Should be the subject property address. | 04/13/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 785578 | xxxxxx | 28219567 | xxxxxx | 04/03/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower to provide a third-party document with an address that matches the primary residence on the application e.g., lease agreement, utility bill, financial statement. |  | Reviewer Comment (2023-04-10): Mortgage statement with pay history provided | 04/10/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 785589 | xxxxxx | 28205159 | xxxxxx | 04/04/2023 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | The guidelines require the lower of the estimated market rent or lease agreement to be used to qualify the loan. The appraisal report reflects xxxxxx of the units are leased; however, the file only contains 1 lease agreement. The file is missing the additional 3 lease agreements. | 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. | Reviewer Comment (2023-04-26): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-04-25): The Settlement Statement only reflects the $900 security deposit was transferred and $210 for rent vs $900. Investor can elect to wiav with verified compensation factors.<br>Reviewer Comment (2023-04-21): An updated lease agreement was received for Unit xxxxxx, reflecting the same tenants; however, it now reflects a lease date of xxxxxx through xxxxxx . Please provide evidence the initial payment and security deposit referenced in Section 2 was received by borrower as it reflects tenants are responsible for these fees totaling $1,800.<br>Reviewer Comment (2023-04-06): The lease agreement for tenants xxxxxx for $900/month has expired on xxxxxx . 2 months current rent receipts are required to support the lease is still active. There are two money orders in file, however they are from xxxxxx . |  |  | 04/26/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 785589 | xxxxxx | 28219707 | xxxxxx | 04/04/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | There are two PPP addendums to the Note in file, both with different terms. Provide the correct PPP addendum, the incorrect PPP addendum with "Cancelled" at the top, LOE to borrower, and evidence of delivery to the borrower. |  | Reviewer Comment (2023-04-10): Evidence of delivery provided<br>Reviewer Comment (2023-04-06): Pending receipt of delivery to the borrower.<br>Reviewer Comment (2023-04-05): LOE provided. Neither PPP reflects cancelled at the top nor is there evidence of delivery to the borrower. | 04/10/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 785589 | xxxxxx | 28361270 | xxxxxx | 04/26/2023 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: xxxxxx, AND xxxxxx<br> Disaster Declaration date: xxxxxx |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xxxxxx | Reviewer Comment (2023-05-03): PDI received dated xxxxxx : No Damage<br>Reviewer Comment (2023-05-02): BPO was provided. The condition is requesting a PDI. I BPO cannot be taken in lieu of. |  |  | 05/03/2023 | 2 | B | B |  | B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 786610 | xxxxxx | 28208016 | xxxxxx | 04/05/2023 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Per guidelines, a 12 month housing history is required to be verified. Per the credit report, the departure REO has reported for 10 months, with a last payment date of xxxxxx xxxxxx. The loan file also contains a mortgage statement reflecting the xxxxxx payment; however, loan closed xxxxxx . Please provide evidence of the xxxxxx mortgage payment on the departure REO to complete the required 12 month housing history. |  | Reviewer Comment (2023-04-07): Mortgage statement provided with 2/2023 | 04/07/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 786610 | xxxxxx | 28208315 | xxxxxx | 04/05/2023 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | FACTA disclosure provided is dated xxxxxx , the same date as closing. |  | Reviewer Comment (2023-03-30): Client elects to waive |  |  | 03/30/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 786610 | xxxxxx | 28208316 | xxxxxx | 04/05/2023 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List of Homeownership Counseling Organizations was provided; however, it is not dated to determine if it was obtained within 10 days of application date. |  | Reviewer Comment (2023-03-30): Client elects to waive |  |  | 03/30/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 786610 | xxxxxx | 28208321 | xxxxxx | 04/05/2023 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | The total of payments is underdisclosed by $578.28. |  | Reviewer Comment (2023-04-21): SitusAMC received Letter of Explanation, Copy of cure refund, proof of mailing & Corrected Closing Disclosure.<br>Reviewer Comment (2023-04-18): SitusAMC received cure documents. Remediation package not received by courier at this time. Will set for review on xxxxxx <br>Reviewer Comment (2023-04-14): A borrower may not be held liable for fee increases after closing. Additionally, TRID GRID 4.0 Remediation considerations points out:...Corrected CDs issued to reflect actual amounts charged at consummation will not require refunds to the consumer for increase in fee amounts that do not impact the Finance Charge, APR, or Total of Payments, and are not subject to 0% or 10% tolerance thresholds. Because the changes in Title - Endorsement Fees and Prepaid interest do impact TOP a cure would be required.<br>Reviewer Comment (2023-04-06): SitusAMC received TOP calculation. Calculation matches to the Final CD, However, there was a Corrected CD issued xxxxxx which updated costs at closing and with higher costs over threshold, the Final CD was underdisclosed over that threshold and cure is due to borrower. Costs increased in Section D and prepaid interst totaling $578.28 which exceeds the threshold. Cure with Corrected CD, LOE to borower, copy of cure refund for total underdisclosure of $578.28 and poof of mailing to cure. |  | 04/21/2023 |  | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 784133 | xxxxxx | 28216649 | xxxxxx | 04/05/2023 | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.74650% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.74650%). |  |  | Reviewer Comment (2023-04-04): Client elects to waive |  |  | 04/04/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | B | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 784133 | xxxxxx | 28224513 | xxxxxx | 04/05/2023 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Provide the CPA license number. |  | Reviewer Comment (2023-04-06): License provided | 04/06/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 786601 | xxxxxx | 28213785 | xxxxxx | 04/05/2023 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2023-04-14): CDA provided | 04/14/2023 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 784995 | xxxxxx | 28223961 | xxxxxx | 04/07/2023 | Credit | Guideline | Guideline Issue | Guideline | Required Impound/Escrow account(s) were not established. |  | Per guidelines, an escrow/impound account is required unless the following requirements are met: LTV less than 80%, minimum decision credit score of 720, minimum 12 months of reserves are met. Per final HUD-1, an escrow/impound account was not established; however, borrower does not meet the minimum decision credit score of 720 to waive this requirement. Decision credit score per credit report provided is 700. | 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>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-04-11): Client elects to waive with verified compensation factors |  |  | 04/11/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 784995 | xxxxxx | 28224009 | xxxxxx | 04/07/2023 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Per guidelines, a 0x30x12 housing history is required on all properties owned by Borrower. The final 1003 indicates borrower has owned primary residence for 7.1 years with no payment. A mortgage statement was provided indicating there is a mortgage on the primary residence, and per the Fraud report, the Borrower is a party to the mortgage. Please provide either a 12 month mortgage history, through xxxxxx, or the Note to confirm our Borrower is not responsible for this payment. |  | Reviewer Comment (2023-04-11): Note provided. Not obligated to lien. | 04/11/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 784995 | xxxxxx | 28224013 | xxxxxx | 04/07/2023 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2023-04-11): Gap provided | 04/11/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 784995 | xxxxxx | 28224086 | xxxxxx | 04/07/2023 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Letter | Guidelines for the bank statement program require a CPA letter, or other third party evidence, that business has been in existence for at least 2 years and that borrower owns at least 25% of the business used in income qualifying. Loan file contains the Bylaws of the business used in income qualifying reflecting Borrower is 50% owner; however, it is not dated to determine that business has been in existence for at least 2 years. |  | Reviewer Comment (2023-04-10): Dated Bylaws provided | 04/10/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 784995 | xxxxxx | 28224097 | xxxxxx | 04/07/2023 | Credit | Guideline | Guideline Issue | Guideline | More than 3 NSFs/Overdraft Transfers occurred in the most recent 12-month period. |  | Per guidelines, no more than 3 NSFs in the prior 12 months are allowed. Per bank statements provided, there were 9 NSFs in the prior 12 months. Loan file contains investor exception request; however, it indicates that there were 7 NSFs in prior 12 months. Please provide updated exception request reflecting 9 NSFs in prior 12 months. (3 NSF in 5/2022 and 6 NSF in xxxxxx per Fee detail section of bank statements) | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-04-11): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-04-10): Comp factors are incorrect. DTI is not < 36% |  |  | 04/11/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 784995 | xxxxxx | 28224112 | xxxxxx | 04/07/2023 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | File does not contain evidence the preliminary appraisal dated xxxxxx was provided to consumer at least 3 business days prior to consummation. |  | Reviewer Comment (2023-04-05): Client elects to waive |  |  | 04/05/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 784995 | xxxxxx | 28224113 | xxxxxx | 04/07/2023 | Compliance | Compliance | Federal Compliance | Flood | Flood Insurance Escrow - Flood not Escrowed for Property in Flood Zone | Loan originated post xxxxxx, the subject property is in a flood zone, flood insurance is not escrowed. | Final HUD-1 provided does not reflect an escrow account was established. |  | Reviewer Comment (2023-04-05): Client elects to waive |  |  | 04/05/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 787164 | xxxxxx | 28291134 | xxxxxx | 04/14/2023 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 75.00000% exceeds Guideline loan to value percentage of 70.00000%. | As per guideline, 5% LTV reduction is required for all properties with any unleased (vacant) units | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2023-04-17): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-04-14): This loan was also reviewed to the investor matrix which requires a 5% LTV deduction for vacant properties. |  |  | 04/17/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 787164 | xxxxxx | 28299059 | xxxxxx | 04/14/2023 | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  | Pro Forma only provided. |  | Reviewer Comment (2023-04-17): Title provided | 04/17/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 787164 | xxxxxx | 28299187 | xxxxxx | 04/14/2023 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  | CPL in file is not for the subject property. |  | Reviewer Comment (2023-04-14): Correct CPL provided | 04/14/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 787164 | xxxxxx | 28299189 | xxxxxx | 04/14/2023 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Provide the Background and Credit Authorization Form. |  | Reviewer Comment (2023-04-14): Authorization provided | 04/14/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 787164 | xxxxxx | 28317329 | xxxxxx | 04/17/2023 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2023-04-24): FTP provided | 04/24/2023 |  |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 787164 | xxxxxx | 28317330 | xxxxxx | 04/17/2023 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  |  | Reviewer Comment (2023-04-21): Received title commitment with updated policy amount | 04/21/2023 |  |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 787164 | xxxxxx | 28317338 | xxxxxx | 04/17/2023 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | Provide the clear title policy or Final Title policy. Title appears to have a xxxxxx lien not addressed, 12 judgements (says see attached but not provided), 3 municipal liens and delinquent taxes. |  | Reviewer Comment (2023-04-24): FTP provided<br>Reviewer Comment (2023-04-21): Title commitment received does not clear this condition. It still reflects 12 open judgements saying see attached with no attachments, and open municipal liens and tax liens. Please provide final title or evidence these items were paid at or before closing. | 04/24/2023 |  |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 787165 | xxxxxx | 28300880 | xxxxxx | 04/14/2023 | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  | Pro Forma only in file. |  | Reviewer Comment (2023-04-21): Received title commitment<br>Reviewer Comment (2023-04-17): The title provided is not for the subject property. | 04/21/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 787165 | xxxxxx | 28301114 | xxxxxx | 04/14/2023 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 75.00000% exceeds Guideline loan to value percentage of 70.00000%. | 5% LTV reduction is required for all properties with any unleased (vacant) units. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2023-04-17): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-04-14): This loan was also reviewed to the investor matrix which requires a 5% LTV deduction for vacant properties. |  |  | 04/17/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 787165 | xxxxxx | 28305260 | xxxxxx | 04/14/2023 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  | CPL has the incorrect address. |  | Reviewer Comment (2023-04-14): Correct CPL provided | 04/14/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 787165 | xxxxxx | 28305269 | xxxxxx | 04/14/2023 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Provide the background and credit authorization. |  | Reviewer Comment (2023-04-14): Authorization provided | 04/14/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 787165 | xxxxxx | 28340637 | xxxxxx | 04/21/2023 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2023-04-24): FTP provided | 04/24/2023 |  |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 787165 | xxxxxx | 28340656 | xxxxxx | 04/21/2023 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | Title commitment received; however, it reflects 12 open judgements saying see attached with no attachments, and open municipal liens. Please provide final title or evidence these items were paid at or before closing. |  | Reviewer Comment (2023-04-24): FTP provided | 04/24/2023 |  |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 786725 | xxxxxx | 28300021 | xxxxxx | 04/14/2023 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided |  | Missing 1-4 Family Rider. Only the signature page was provided. |  | Reviewer Comment (2023-04-17): Rider provided | 04/17/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 786725 | xxxxxx | 28305592 | xxxxxx | 04/14/2023 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  | The refinance section on the NOO was not completed. |  | Reviewer Comment (2023-04-17): Updated NOO provided | 04/17/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 786725 | xxxxxx | 28305616 | xxxxxx | 04/14/2023 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | ISAOA is missing |  | Reviewer Comment (2023-04-19): Updated HOI provided | 04/19/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 786015 | xxxxxx | 28313393 | xxxxxx | 04/19/2023 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  | Reviewer Comment (2023-04-26): Articles of Organization were provided. | 04/26/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 786015 | xxxxxx | 28313428 | xxxxxx | 04/19/2023 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  | Reviewer Comment (2023-04-28): COGS provided | 04/28/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 786015 | xxxxxx | 28313439 | xxxxxx | 04/19/2023 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  | Reviewer Comment (2023-04-26): EIN was provided. | 04/26/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 786015 | xxxxxx | 28313441 | xxxxxx | 04/19/2023 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  | 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 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. | Reviewer Comment (2023-05-31): The client elects to waive. |  |  | 05/31/2023 | 2 | D B | D B | D | B D | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 786015 | xxxxxx | 28313467 | xxxxxx | 04/19/2023 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  |  |  | Reviewer Comment (2023-04-26): The Final Settlement Statement was provided. | 04/26/2023 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 786015 | xxxxxx | 28317083 | xxxxxx | 04/19/2023 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Issue: Subject loan is a non-arms length transaction outside of credit guidelines |  | Investor Exception: Non-Arms length transaction only allowed on Full Doc and must not be FSBO. Relationship exists. | 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 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. | Reviewer Comment (2023-04-18): Client elects to waive with verified compensation factors |  |  | 04/18/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 786015 | xxxxxx | 28317095 | xxxxxx | 04/19/2023 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx , Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2023-04-26): Evidence the red flags were addressed was provided. | 04/26/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 786015 | xxxxxx | 28322383 | xxxxxx | 04/19/2023 | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | The Note and PPP addendum to the Note are not executed properly. The loan closed in a Business Entity. Signature line should be Borrowing Entity by Guarantors. | 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 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. | Reviewer Comment (2023-05-31): The client elects to waive. |  |  | 05/31/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 786015 | xxxxxx | 28322465 | xxxxxx | 04/19/2023 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | The DOT reflects a rider attached for Addendum to Note/Mortgage. | 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 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. | Reviewer Comment (2023-05-31): The client elects to waive. |  |  | 05/31/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 786015 | xxxxxx | 28322498 | xxxxxx | 04/19/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The 1003, Note + Riders and the DOT+ Riders reflect #Side in the main address vs. all other documents which do not. If these documents are incorrect, provide the executed and corrected Note + Riders and DOT + Riders, corrected 1003, LOE to borrower, evidence of delivery to the borrower and Lender's Letter of Intent to re-record. It will be at the investor's discretion if they would like any other documents updated (i.e. Business Purpose Cert, Occupancy Cert, HUD/CD, etc). | 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 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. | Reviewer Comment (2023-05-31): The client elects to waive. |  |  | 05/31/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 786577 | xxxxxx | 28328459 | xxxxxx | 04/24/2023 | 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 $6,631.26 exceeds tolerance of $6,530.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $6,631.26 exceeds tolerance of $6,530.00 |  | Reviewer Comment (2023-04-19): Sufficient Cure Provided At Closing |  | 04/19/2023 |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 786577 | xxxxxx | 28328679 | xxxxxx | 04/24/2023 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | No evidence in file appraisal was delivered to borrower at least 3 business days prior to consummation. |  | Reviewer Comment (2023-04-25): Delivery provided | 04/25/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 786577 | xxxxxx | 28328714 | xxxxxx | 04/24/2023 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.31066% or Final Disclosure APR of 9.37300% is equal to or greater than the threshold of APOR 6.48% + 1.5%, or 7.98000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2023-04-25): Delivery provided | 04/25/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 786577 | xxxxxx | 28328750 | xxxxxx | 04/24/2023 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Due to transferred appraisal. |  | Reviewer Comment (2023-04-24): Client elects to waive |  |  | 04/24/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 786577 | xxxxxx | 28329740 | xxxxxx | 04/24/2023 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | The final 1003 provided in the loan file indicates Borrower has rented at their current residence for 1 month; however, the VOR provided in the loan file indicates Borrower has resided at this residence since March 2021, which is 2 years, 1 month. Further, the final 1003 indicates Borrower is a FTHB; however, the credit report reflects Borrower has owned a property in the most recent three years. Please provide corrected 1003 reflecting correct housing history and that Borrower is not a FTHB. |  | Reviewer Comment (2023-04-25): Updated 1003 provided<br>Reviewer Comment (2023-04-25): The LOE provided in file does not clear the condition nor addresses the discrepancies with the documents in the file. | 04/25/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 786577 | xxxxxx | 28329920 | xxxxxx | 04/24/2023 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Per guidelines, the gift letter must contain the date the funds were or will be transferred to Borrower. Gift letter in file does not contain this required information. | 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>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-04-25): Client elects to waive with verified compensation factors |  |  | 04/25/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 786577 | xxxxxx | 28329984 | xxxxxx | 04/24/2023 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | HOA project is involved in litigation. |  | Per the HOA questionnaire, subject property is involved in current litigation. The open litigation documents were attached to the HOA questionnaire in the file. | 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>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-04-28): Client elects to waive with verified compensation factors |  |  | 04/28/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 786577 | xxxxxx | 28329987 | xxxxxx | 04/24/2023 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary xxxxxx) | Borrower waived right to receive appraisal; however, loan is considered an HPML loan and waivers cannot be utilized. Further, file does not contain evidence appraisal was delivered to Borrower at least 3 business days prior to consummation. |  | Reviewer Comment (2023-04-24): Client elects to waive |  |  | 04/24/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 786443 | xxxxxx | 28354909 | xxxxxx | 04/27/2023 | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 5.16761% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 2.16761%). |  |  | Reviewer Comment (2023-04-27): Client elects to waive |  |  | 04/27/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B | B | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 786443 | xxxxxx | 28354928 | xxxxxx | 04/27/2023 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List of Homeownership Counseling Organizations was provided; however, it is not dated to determine if it was obtained within 10 days of application date. |  | Reviewer Comment (2023-04-27): Client elects to waive |  |  | 04/27/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Second Home | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 786443 | xxxxxx | 28355100 | xxxxxx | 04/27/2023 | Credit | Guideline | Guideline Issue | Guideline | The minimum housing history was not met as required by guidelines for First Time Homebuyer. |  | Per guidelines, FTHB are only allowed on primary residence transactions. Further, FTHB are required to document a 0x30x12 housing history. Borrower is a FTHB, purchasing a second home and currently living rent free, which does not meet the guideline requirements. Loan file contains investor exception request. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-04-27): Client elects to waive with verified compensation factors |  |  | 04/27/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Second Home | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 786443 | xxxxxx | 28355286 | xxxxxx | 04/27/2023 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2023-05-01): UDM provided | 05/01/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 786262 | xxxxxx | 28372960 | xxxxxx | 05/03/2023 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of is less than Guideline PITIA months reserves of 2.00. | Missing evidence of Asset documentation in file. | The qualifying DSCR on the loan is greater than the guideline minimum.<br>Borrower's Experience/Track Record. The borrower has 7 Years of Experience. Currently holds 8 Properties. | Reviewer Comment (2023-05-05): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-05-04): The guidelines do not state cash back on a R/T can be utilized towards the reserve requirement. Even if this were allowed, the reserves will sill be short 2 months ($2,268.34 cash back/PITIA $1,350.26=1.67 months) |  |  | 05/05/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 786946 | xxxxxx | 28376788 | xxxxxx | 05/03/2023 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  |  |  | Reviewer Comment (2023-05-08): Final SS provided | 05/08/2023 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 786946 | xxxxxx | 28376854 | xxxxxx | 05/03/2023 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of is less than Guideline PITIA months reserves of 12.00. | The loan is a cash-out refinance that requires 12 months of reserves due to taxes and insurance not being escrowed. The guidelines allow cash-out from the transaction to be used toward reserve requirements; however, the file is missing a copy of the HUD-1/Closing Statement/Closing Disclosure. The file does not contain any other asset documentation. |  | Reviewer Comment (2023-05-08): Final SS provided | 05/08/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 786946 | xxxxxx | 28377226 | xxxxxx | 05/03/2023 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | The guidelines indicate if an investment property is reflected on the appraisal report as being listed for sale, the listing must be cancelled prior to the note date. The appraisal does reflect the property is listed for sale; however, the file does not contain any documentation that verifies the listing was cancelled. |  | Reviewer Comment (2023-05-04): Withdrawal of listing provided xxxxxx  | 05/04/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 786946 | xxxxxx | 28386899 | xxxxxx | 05/03/2023 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | The Business Purpose Cert does not reflect the C/O proceeds reason. |  | Reviewer Comment (2023-05-04): Updated BP cert provided | 05/04/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 784774 | xxxxxx | 28476590 | xxxxxx | 05/22/2023 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2023-06-01): Final 1003 provided | 06/01/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 784774 | xxxxxx | 28478972 | xxxxxx | 05/22/2023 | Credit | Guideline | Guideline Issue | Guideline | Funds From Business Account used, and borrower owns less than 100% of business. |  | The guidelines allow the borrower to use business assets up their percentage of ownership in the business. The borrower owns 50% of the business; however, the lender used 100% of the business assets to qualify the loan. The file contains an Investor exception. | 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>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-05-17): Client elects to waive with verified compensation factors |  |  | 05/17/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 784774 | xxxxxx | 28480617 | xxxxxx | 05/22/2023 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2023-06-01): Gap provided | 06/01/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 784774 | xxxxxx | 28480681 | xxxxxx | 05/22/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The borrowers' departing residence is pending sale. The guidelines require an executed sales contract and confirmation that any financing contingencies have been cleared. The file contains the required contract; however, verification that the financing contingencies have been cleared is not provided. If the property closed prior to the subject transaction, a copy of the final Closing Disclosure is required. |  | Reviewer Comment (2023-06-01): Seller CD and Final SS provided | 06/01/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 789757 | xxxxxx | 28624842 | xxxxxx | 06/23/2023 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. | HUD-1 total cash-out of $342,105.52 is greater than Guideline total cash-out of $300,000.00. | Guidelines only allow $300,000 in cash out for a Foreign National with an LTV over 50%. The loan closed with an LTV of 60% and the borrower received $342,105.52 cash out. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2023-06-28): Client elects to waive with verified compensation factors |  |  | 06/28/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 789757 | xxxxxx | 28644146 | xxxxxx | 06/23/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception to allow a Foreign Credit Report to be utilized for alternative credit. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2023-06-22): Client elects to waive with valid compensation factors |  |  | 06/22/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 789757 | xxxxxx | 28677759 | xxxxxx | 06/28/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The investor is granting an exception to utilize 100% of the rents from the 1007. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2023-06-28): Client elects to waive with verified compensation factors |  |  | 06/28/2023 | 2 | B | B |  | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 790794 | xxxxxx | 28633327 | xxxxxx | 06/27/2023 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2023-06-30): E-Consent provided | 06/30/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | C | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 790794 | xxxxxx | 28633356 | xxxxxx | 06/27/2023 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification | A mortgage statement is not in file to verify if taxes/insurance are included in the payment for xxxxxx and/or provide the hazard insurance verification for this property. | 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>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-07-17): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-07-14): The lender attestation does not clear this condition. A copy of the HOI is required for this property otherwise the investor will need to consider waiving with verified comp factors. |  |  | 07/17/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | C | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 790794 | xxxxxx | 28633390 | xxxxxx | 06/27/2023 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2023-06-30): Gap provided | 06/30/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | C | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 790794 | xxxxxx | 28633859 | xxxxxx | 06/27/2023 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  | Reviewer Comment (2023-06-23): Client elects to waive |  |  | 06/23/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | C | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 790794 | xxxxxx | 28635227 | xxxxxx | 06/27/2023 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Address on the Flood cert in file differs from the flood certificate in file. Flood cert reflects xxxxxx that is not reflected on the Note. | 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>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-07-12): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-07-11): The lender can request the investor waive with verified compensation factors.<br>Reviewer Comment (2023-07-10): The investor requires all addresses to match. The investor can elect to waive with verified compensation factors.<br>Reviewer Comment (2023-07-07): The investor requires all addresses to match. The investor can elect to waive with verified compensation factors.<br>Reviewer Comment (2023-06-30): None of the documents reflect xxxxxx. All addresses must match. |  |  | 07/12/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | C | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 790794 | xxxxxx | 28651925 | xxxxxx | 06/27/2023 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Provide the color appraisals for both appraisal reports. |  | Reviewer Comment (2023-06-30): Color appraisals provided | 06/30/2023 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | C | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 790794 | xxxxxx | 28652109 | xxxxxx | 06/27/2023 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - High Cost 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 Investment). If tested as primary residence, loan exceeds one or more high cost thresholds. | Initial 1003 dec page reflects intent to occupy. Provide the corrected initial 1003 and lender attestation on error. |  | Reviewer Comment (2023-07-13): Corrected 1003 and attestation provided<br>Reviewer Comment (2023-07-12): The attestation provided reflects xxxxxx and property address is xxxxxx<br>Reviewer Comment (2023-07-11): Corrected unsigned 1003 provided. Pending receipt of attestation on error.<br>Reviewer Comment (2023-07-10): When there is conflicting information in the file regarding occupancy, this xxxxxx guideline requirements. The investor cannot waive this condition as it is a compliance condition and the attestation regarding the initial discrepancy on the initial 1003 is required.<br>Reviewer Comment (2023-07-07): All documents submitted to the loan file are reviewed for accuracy and compliance. This is a compliance condition and cannot be waived. The attestation on the initial error on the initial 1003 is required at minimum.<br>Reviewer Comment (2023-07-06): This is required. Provide the corrected 1003 and lender attestation on initial error. | 07/13/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | C | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 790387 | xxxxxx | 28668089 | xxxxxx | 06/29/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The 1003 and credit report reflect a birthdate of xxxxxx . However, the Driver's License reflects xxxxxx . | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-07-18): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-07-18): The credit report is dated post-close and not acceptable. Investor will need to consider waiving with valid comp factors.<br>Reviewer Comment (2023-07-13): Corrected 1003 provided. Credit report does not reflect correct birthdate either. |  |  | 07/18/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 790387 | xxxxxx | 28668097 | xxxxxx | 06/29/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. Judgements found against borrower name. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-07-11): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-06-30): Provide the clear and final title policy reflecting removed or supplement from title company stating they agree and will not appear on final title. |  |  | 07/11/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 790387 | xxxxxx | 28668104 | xxxxxx | 06/29/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The lease agreement for xxxxxx reflects a start date of xxxxxx and and and end date of xxxxxx . |  | Reviewer Comment (2023-07-18): Updated lease agreement provided | 07/18/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 790478 | xxxxxx | 28673125 | xxxxxx | 07/03/2023 | 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 (2023-07-12): FTP provided | 07/12/2023 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 790478 | xxxxxx | 28673170 | xxxxxx | 07/03/2023 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Preliminary in file. |  |  | Reviewer Comment (2023-07-12): FTP provided | 07/12/2023 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 790478 | xxxxxx | 28675051 | xxxxxx | 07/03/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | When the lease has converted to month-to-month, then provide most recent two (2) months proof of receipt to evidence continuance of lease is required. The lease ended in 2020 has converted to month-to-month; however, the file is missing the most recent two months of rent. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-07-18): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-07-12): The property cannot be considered unleased if it is currently leased. The guideline requirement must be met. |  |  | 07/18/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 790478 | xxxxxx | 28675172 | xxxxxx | 07/03/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The property details report reflects the subject property is a xxxxxx and the title policy reflects the property is subject to the terms and provisions of a xxxxxx project. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-07-13): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-07-12): The FTP reflects the same thing regarding xxxxxx property on item #8 and #9. |  |  | 07/13/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 790478 | xxxxxx | 28675188 | xxxxxx | 07/03/2023 | 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. |  | The Certification of Non-Owner Occupancy does not reflect the borrower's address on line xxxxxx as required. |  | Reviewer Comment (2023-07-07): Updated NOO provided<br>Reviewer Comment (2023-07-06): The signature page was not attached to the document uploaded. | 07/07/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 790478 | xxxxxx | 28678984 | xxxxxx | 07/03/2023 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Estimate only in file |  | Reviewer Comment (2023-07-10): Final SS provided | 07/10/2023 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 790478 | xxxxxx | 28678986 | xxxxxx | 07/03/2023 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | ISAOA is missing | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-07-11): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-07-07): xxxxxx is not the same as xxxxxx. All addresses must match.<br>Reviewer Comment (2023-07-06): The updated HOI has the in correct address. Reflects xxxxxx vs xxxxxx. |  |  | 07/11/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 791275 | xxxxxx | 28678547 | xxxxxx | 07/03/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower in a Non-Permanent Resident Alien and requires an I-797 form (Notice of Action) with valid extension dates as VISA has expired and an I-94 form to verify visa classification. |  | Reviewer Comment (2023-07-06): I-797 and I-94 provided | 07/06/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 791275 | xxxxxx | 28678906 | xxxxxx | 07/03/2023 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Provide the ownership % breakdown for xxxxxx. The guidelines limit fund usage to the borrower's ownership %. An access letter from the additional owner would have no bearing on this. | 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. | Reviewer Comment (2023-07-18): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-07-06): Lender would like to waive |  |  | 07/18/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 791275 | xxxxxx | 28678913 | xxxxxx | 07/03/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the updated 1003. Borrower states he is living rent free in the primary residence and the business owns the property. |  | Reviewer Comment (2023-07-10): Evidence of ownership docs provided and evidence of free and clear provided.<br>Reviewer Comment (2023-07-06): There is no evidence in file that the borrower owns this property free and clear through an LLC. Provide the property profile report verifying property is free and clear along with evidence and ownership in the owning LLC. | 07/10/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 791275 | xxxxxx | 28678932 | xxxxxx | 07/03/2023 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | City does not match | 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. | Reviewer Comment (2023-07-12): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-07-06): All documents must match. You can request the investor waive this condition with valid comp factors. |  |  | 07/12/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 791275 | xxxxxx | 28678938 | xxxxxx | 07/03/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | A signed letter from a CPA or borrower must also be obtained verifying that the withdrawal of funds for the transaction will not have a negative impact on the business. | 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. | Reviewer Comment (2023-07-18): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-07-06): Lender would like to waive |  |  | 07/18/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 791877 | xxxxxx | 28678077 | xxxxxx | 07/05/2023 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  |  |  | Reviewer Comment (2023-07-24): Final Closing Statement provided<br>Reviewer Comment (2023-07-18): The document provided is not the final settlement statement. Estimate is reflected. Provide the final signed/stamped certified settlement statement | 07/24/2023 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 791877 | xxxxxx | 28678125 | xxxxxx | 07/05/2023 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 4.72 is less than Guideline PITIA months reserves of 6.00. |  |  | Reviewer Comment (2023-07-24): Final SS provided. Borrower has sufficient funds for reserves.<br>Reviewer Comment (2023-07-11): Cash to close is calculated as funds to close + EMD + POCB fees + any adjustments/gifts/exchange funds on the Final xxxxxx D/Settlement Statement. Business funds at 75% were not utilized as the Ops Agreement is not executed. | 07/24/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 791877 | xxxxxx | 28686679 | xxxxxx | 07/05/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the updated application. Borrower does not have any ownership in the primary residence per the Fraud Report. |  | Reviewer Comment (2023-08-21): Updated application provided<br>Reviewer Comment (2023-07-11): The primary residence listed on the 1003 is xxxxxx. The Fraud Report does not reflect an LLC as owning this property but an individual who is not the borrower. | 08/21/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 790369 | xxxxxx | 28710312 | xxxxxx | 07/11/2023 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $273,151.92 is less than Cash From Borrower $285,163.24. |  |  | Reviewer Comment (2023-07-18): PC-CD, LOE to borrower and Final SS provided. See updated condition.<br>Reviewer Comment (2023-07-13): The corrected PC-CD was provided. The PC-CD will need an LOE to the borrower as well.<br>Reviewer Comment (2023-07-12): The PC-CD provided does not reflect the POCB for the HOI premium nor LOE to borrower | 07/18/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 790369 | xxxxxx | 28710374 | xxxxxx | 07/11/2023 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.77437% or Final Disclosure APR of 8.77400% is equal to or greater than the threshold of APOR 6.39% + 1.5%, or 7.89000%. Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2023-08-08): Delivery provided | 08/08/2023 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 790369 | xxxxxx | 28710375 | xxxxxx | 07/11/2023 | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.00661% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .00661%). |  |  | Reviewer Comment (2023-07-11): Client elects to waive |  |  | 07/11/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 790369 | xxxxxx | 28710575 | xxxxxx | 07/11/2023 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx 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 $896,717.35 is under disclosed by $150.00 compared to the calculated Finance Charge of $896,867.35 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | The Final Closing Disclosure reflects the Finance Charge as $896,717.35; however, the calculated Finance Charge is $896,867.35. It appears the lender did not include the Title - Signing Fee of $150.00 in the calculation. |  | Reviewer Comment (2023-07-13): Exception was cured prior to discovery.<br>Reviewer Comment (2023-07-12): correct status<br>Reviewer Comment (2023-07-12): SitusAMC received xxxxxx CD. Mising LOE that accompanied the corrected CD to finalize cure. |  | 07/13/2023 |  | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | 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 | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 790369 | xxxxxx | 28714842 | xxxxxx | 07/11/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | When the transaction is a non-arm's length transaction, the guidelines require the appraisal to comment the contract is "Non-Arm's Length". The borrower is purchasing the subject property from a relative; therefore, is considered non-arm's length and the appraisal states the contract appears to be arms length. |  | Reviewer Comment (2023-07-20): Updated appraisal provided | 07/20/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 790369 | xxxxxx | 28715064 | xxxxxx | 07/11/2023 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2023-07-11): Client elects to waive |  |  | 07/11/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 790369 | xxxxxx | 28715065 | xxxxxx | 07/11/2023 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | The CDA does not reflect all unit numbers. |  | Reviewer Comment (2023-07-18): Corrected CDA provided | 07/18/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 790369 | xxxxxx | 28772838 | xxxxxx | 07/18/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The judgment for xxxxxx in file reflects the debt was suppose to be paid 50%/50% by the seller and borrower. Per the Final CD, the entire debt was listed as paid by the borrower. On the PC-CD, only $5,100 was paid to xxxxxx and listed as Admin Fees. The borrower side does not reflect any balance paid to REAP. Provide evidence this debt was paid in full at or prior to closing. |  | Reviewer Comment (2023-07-19): Final SS provided reflecting xxxxxx paid off by seller which matches payoff in file. | 07/19/2023 |  |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 790369 | xxxxxx | 28788250 | xxxxxx | 07/20/2023 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | The origination appraisal was completed xxxxxx The delivery provided reflects the borrower received this appraisal within 3 day of consummation and is signed and dated xxxxxx, however the appraisal was not completed within 3 days of consummation, therefore the borrower could not have received the appraisal within 3 days of consummation. |  | Reviewer Comment (2023-08-08): Client elects to waive |  |  | 08/08/2023 | 2 | B | B |  | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 790369 | xxxxxx | 28788251 | xxxxxx | 07/20/2023 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.73508% or Final Disclosure APR of 8.77400% is equal to or greater than the threshold of APOR 6.39% + 1.5%, or 7.89000%. Non-Compliant Higher Priced Mortgage Loan. | The origination appraisal was completed xxxxxx The delivery provided reflects the borrower received this appraisal within 3 day of consummation and is signed and dated xxxxxx, however the appraisal was not completed within 3 days of consummation, therefore the borrower could not have received the appraisal within 3 days of consummation. |  | Reviewer Comment (2023-09-01): LOE from borrower stating when appraisal was received provided.<br>Reviewer Comment (2023-08-21): Appraisal waiver is not allowed on HPML loans. HPML loans require appraisals to be delivered to the borrower within 3 days prior to consummation.<br>Reviewer Comment (2023-08-11): The consummation date (which is the closing date) is xxxxxx and the disbursement date is xxxxxx which has no bearing on appraisal timing requirements. These are incurable conditions.<br>Reviewer Comment (2023-08-10): The delivery provided is dated xxxxxx with no evidence of borrower receipt. The 3 day mailbox rule applies. Presumed receipt by borrower is xxxxxx which is not 3 business days prior to closing.<br>Reviewer Comment (2023-08-09): Please review the comments from xxxxxx The acknowledgment provided in file was already reviewed and is signed and dated xxxxxx If the origination appraisal was completed on xxxxxx and the loan closed on xxxxxx , then the borrower could not have received the appraisal within 3 business days prior to consummation as there are not 3 days between xxxxxx and xxxxxx . The timing starts the next business day and the day of closing is not counted.<br>Reviewer Comment (2023-08-08): Received delivery of the updated appraisal. However, the origination appraisal was completed xxxxxx The delivery provided reflects the borrower received this appraisal within 3 day of consummation and is signed and dated xxxxxx, however the appraisal was not completed within 3 days of consummation, therefore the borrower could not have received the appraisal within 3 days of consummation. | 09/01/2023 |  |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 790369 | xxxxxx | 28788252 | xxxxxx | 07/20/2023 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | Provide evidence the updated appraisal was delivered to the borrower. |  | Reviewer Comment (2023-08-08): Delivery provided | 08/08/2023 |  |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 790369 | xxxxxx | 28788253 | xxxxxx | 07/20/2023 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | The origination appraisal was completed xxxxxx The delivery provided reflects the borrower received this appraisal within 3 day of consummation and is signed and dated xxxxxx, however the appraisal was not completed within 3 days of consummation, therefore the borrower could not have received the appraisal within 3 days of consummation. |  | Reviewer Comment (2023-09-01): LOE from borrower stating when appraisal was received provided.<br>Reviewer Comment (2023-08-21): Appraisal waiver is not allowed on HPML loans. HPML loans require appraisals to be delivered to the borrower within 3 days prior to consummation.<br>Reviewer Comment (2023-08-11): The consummation date (which is the closing date) is xxxxxx and the disbursement date is xxxxxx which has no bearing on appraisal timing requirements. These are incurable conditions.<br>Reviewer Comment (2023-08-10): The delivery provided is dated xxxxxx with no evidence of borrower receipt. The 3 day mailbox rule applies. Presumed receipt by borrower is xxxxxx which is not 3 business days prior to closing.<br>Reviewer Comment (2023-08-09): Please review the comments from xxxxxx The acknowledgment provided in file was already reviewed and is signed and dated xxxxxx If the origination appraisal was completed on xxxxxx and the loan closed on xxxxxx , then the borrower could not have received the appraisal within 3 business days prior to consummation as there are not 3 days between xxxxxx and xxxxxx . The timing starts the next business day and the day of closing is not counted.<br>Reviewer Comment (2023-08-08): Received delivery of the updated appraisal. However, the origination appraisal was completed xxxxxx The delivery provided reflects the borrower received this appraisal within 3 day of consummation and is signed and dated xxxxxx, however the appraisal was not completed within 3 days of consummation, therefore the borrower could not have received the appraisal within 3 days of consummation. | 09/01/2023 |  |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 790369 | xxxxxx | 28886034 | xxxxxx | 08/08/2023 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2023-08-08): Client elects to waive |  |  | 08/08/2023 | 2 | B | B |  | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 790369 | xxxxxx | 28962542 | xxxxxx | 08/21/2023 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Borrower provided appraisal waiver less than three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2023-08-21): Client elects to waive |  |  | 08/21/2023 | 2 | B | B |  | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 790369 | xxxxxx | 29004687 | xxxxxx | 09/01/2023 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $273,344.94 is less than Cash From Borrower $273,670.44. |  |  | Reviewer Comment (2023-09-05): Paid invoice provided | 09/05/2023 |  |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 791968 | xxxxxx | 28737856 | xxxxxx | 07/12/2023 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - Condo not provided |  |  | 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. | Reviewer Comment (2023-07-14): Client elects to waive with verified compensation factors |  |  | 07/14/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 791968 | xxxxxx | 28737862 | xxxxxx | 07/12/2023 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Estimate Settlement Statement only in file. |  | Reviewer Comment (2023-07-19): Final stamped SS provided<br>Reviewer Comment (2023-07-17): The Final SS is not signed/stamped certified | 07/19/2023 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 790858 | xxxxxx | 28725936 | xxxxxx | 07/13/2023 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2023-07-12): Client elects to waive |  |  | 07/12/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Second Home | Purchase | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 790858 | xxxxxx | 28725982 | xxxxxx | 07/13/2023 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  | Reviewer Comment (2023-08-03): GA provided | 08/03/2023 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Second Home | Purchase | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 790858 | xxxxxx | 28726382 | xxxxxx | 07/13/2023 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx | The borrower owns their primary residence in another country. The file contains a payment history that confirms the monthly payment; however, the file does not contain a currency converter to verify the payment amount in xxxxxx. |  | Reviewer Comment (2023-08-01): Conversion provided<br>Reviewer Comment (2023-08-01): The currency converter must come from the xxxxxx | 08/01/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 790858 | xxxxxx | 28726452 | xxxxxx | 07/13/2023 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | The file does not contain a copy of the initial Closing Disclosure dated at least 3 business days prior to closing. |  | Reviewer Comment (2023-07-31): SitusAMC received xxxxxx CD 3 business days prior to consummation. | 07/31/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | No Defined Cure B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 790858 | xxxxxx | 28726453 | xxxxxx | 07/13/2023 | 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 $128.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75103) | The Appraisal Re-Inspection Fee increased from $0.00 on the initial Loan Estimate to $128.00 on the final Closing Disclosure without a valid change of circumstance. |  | Reviewer Comment (2023-09-11): SitusAMC received Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2023-09-11): SitusAMC received PCCD, LOE and copy of refund check. Please provide proof of mailing to complete cure.<br>Reviewer Comment (2023-09-08): SitusAMC received LOE & copy of refund check. Please provide corrected PCCD & LOE to cure the exception.<br>Reviewer Comment (2023-08-10): SitusAMC received Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the fee was added as received invoice is not valid reason. In order to determine if the changed circumstance is valid more information is necessary on reason fee added 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>Reviewer Comment (2023-08-01): SitusAMC received Changed Circumstance dated xxxxxx , but it does not give sufficient information for the requirements of Appraisal Final Inspection and addition of the fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason fee added 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. |  | 09/11/2023 |  | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 790858 | xxxxxx | 28726646 | xxxxxx | 07/13/2023 | Credit | Guideline | Guideline Issue | Guideline | Ineligible Borrower type. |  | The borrower is a business entity, which is not allowed on a second home. Business entities are only allowed on investment properties. The file contains an Investor exception. | 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>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-07-12): Client elects to waive with verified compensation factors |  |  | 07/12/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Second Home | Purchase | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 790858 | xxxxxx | 28726888 | xxxxxx | 07/13/2023 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The file contains the borrower's 2022 and 2021 tax returns; however, they are not signed by the borrower as required by the guidelines. In addition, the guidelines require documentation to contain the YTD earnings, which was not provided in the file as the paystubs do not provide the YTD earnings. | 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>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-08-01): Client elects to waive with verified compensation factors |  |  | 08/01/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Second Home | Purchase | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 790858 | xxxxxx | 28727093 | xxxxxx | 07/13/2023 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2023-07-28): Gap report provided | 07/28/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 790858 | xxxxxx | 28745141 | xxxxxx | 07/13/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The loan was closed as a Second Home; however, the insurance policy reflects the property as a rental dwelling. Further, the HOI does not reflect the Entity as insured. | 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>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-07-17): Client elects to waive with verified compensation factors |  |  | 07/17/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Second Home | Purchase | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 790858 | xxxxxx | 28759137 | xxxxxx | 07/14/2023 | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | The Note, signature line, has Limited spelled incorrect. Provide the corrected and executed Note and LOE to borrower (signature evidences delivery). | 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>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-08-16): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-08-01): Corrected Note was provided. Provide the LOE to borrower and evidence of delivery to the borrower.<br>Reviewer Comment (2023-07-27): DOT was only provided. Provide the executed and corrected Note, LOE to borrower and evidence of delivery to the borrower. |  |  | 08/16/2023 | 2 | B | B |  | B | xxxxxx | xxxxxx | Second Home | Purchase | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 790858 | xxxxxx | 28759142 | xxxxxx | 07/14/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The DOT, signature line, has Limited spelled incorrect. Provide the corrected and executed DOT, LOE to borrower, and LOI (signature evidences delivery) or provide the xxxxxx Affidavit, LOE to borrower and evidence of delivery to the borrower. | 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>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-08-16): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-07-27): Received recorded DOT with word XXX out and spelled correctly. Provide the LOE to borrower and evidence of delivery to the borrower as these were not documents re-signed. |  |  | 08/16/2023 | 2 | B | B |  | B | xxxxxx | xxxxxx | Second Home | Purchase | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 790784 | xxxxxx | 28732551 | xxxxxx | 07/13/2023 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  | Reviewer Comment (2023-07-19): COGS provided | 07/19/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 790784 | xxxxxx | 28732575 | xxxxxx | 07/13/2023 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2023-07-19): FTP provided | 07/19/2023 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 790784 | xxxxxx | 28737461 | xxxxxx | 07/13/2023 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Maximum Loan Amount discrepancy. | Note loan amount of xxxxxx is greater than Guideline maximum loan amount of $2,000,000.00. | The guidelines allow a maximum loan amount of $2,000,000 for a DSCR cash-out refinance. The loan closed with a loan amount of xxxxxx | 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. | Reviewer Comment (2023-07-19): Client elects to waive with verified compensation factors |  |  | 07/19/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 790784 | xxxxxx | 28743894 | xxxxxx | 07/13/2023 | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | The borrower does not meet the minimum FICO requirement for an escrow waiver of taxes and insurance. | 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. | Reviewer Comment (2023-07-19): Client elects to waive with verified compensation factors |  |  | 07/19/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 790784 | xxxxxx | 28743912 | xxxxxx | 07/13/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Note, under the PPP section, reflects 36 months with a xxxxxx rm. The PPP rider in file reflects 36 months with a 3% term. | 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. | Reviewer Comment (2023-08-03): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-08-03): Received new executed Note. Provide LOE to borrower and evidence of delivery to the borrower.<br>Reviewer Comment (2023-08-02): No new documents provided. Please try uploading again.<br>Reviewer Comment (2023-07-19): If the PPP rider is accurate, a corrected and executed Note will need to be proved along with LOE to borrower (signature will evidence delivery). The revised Note can reflect "Corrected" at the top. |  |  | 08/03/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 790784 | xxxxxx | 28743935 | xxxxxx | 07/13/2023 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the VOM for 12 months for the subject property through 2/2023. If from a private party, cancelled checks will be required. |  | Reviewer Comment (2023-07-19): Pay history provided | 07/19/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 790784 | xxxxxx | 28743942 | xxxxxx | 07/13/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. There is blanket mortgage on title and a Notice of Commencement on title. |  | Reviewer Comment (2023-07-19): Clear FTP provided | 07/19/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 790784 | xxxxxx | 28743987 | xxxxxx | 07/13/2023 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The policy in file is dated 3 months post-close. Provide the policy that was active at time of closing. |  | Reviewer Comment (2023-07-19): Preclose policy provided | 07/19/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 790784 | xxxxxx | 28744009 | xxxxxx | 07/13/2023 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  | Reviewer Comment (2023-07-19): EIN provided | 07/19/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 790784 | xxxxxx | 28744562 | xxxxxx | 07/13/2023 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The loan amount is >$2MIL. A second appraisal is required per guidelines. | 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. | Reviewer Comment (2023-07-19): Client elects to waive with verified compensation factors |  |  | 07/19/2023 | 2 | D B | D B | D | B D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 792731 | xxxxxx | 28740683 | xxxxxx | 07/17/2023 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Received Mortgage Payment for primary property with DLA of xxxxxx , loan closed on xxxxxx . Required Mortgage payment verification for May, 2023 and June, 2023. | 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.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-07-27): Client elects to waive with verified compensation factors |  |  | 07/27/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 792731 | xxxxxx | 28745057 | xxxxxx | 07/17/2023 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | The Flood Certificate reflects the city as xxxxxx; however, the Note reflects the city as xxxxxx. | 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.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-08-07): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-08-04): All addresses must match. Flood Cert on xxxxxx was cleared because the address found was updated to match the Note. The flood cert on this file does not. Provide the updated flood cert. |  |  | 08/07/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 792731 | xxxxxx | 28762681 | xxxxxx | 07/17/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Judgment on background check for $xxxxxx that was not addressed. | 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.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-07-27): Client elects to waive with verified compensation factors |  |  | 07/27/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 792731 | xxxxxx | 28762682 | xxxxxx | 07/17/2023 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | The settlement statement is not signed nor stamped certified. | 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.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-07-27): Client elects to waive with verified compensation factors |  |  | 07/27/2023 | 2 | D B | D B | D | B D | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 791845 | xxxxxx | 28749832 | xxxxxx | 07/18/2023 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  |  |  | Reviewer Comment (2023-07-20): Final SS provided | 07/20/2023 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 791845 | xxxxxx | 28751495 | xxxxxx | 07/18/2023 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | File is missing verification of the mortgage payments for xxxxxx for the month of 6/2023. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2023-07-28): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-07-27): The payoff reflecting interest collected or ending principal balance is not acceptable for proof of the 6/2023 payment. If this cannot be provided, an investor exception will be warranted.<br>Reviewer Comment (2023-07-21): The same rebuttal was provided that was partially rejected. Please see comments from 7/20: Agreed on xxxxxx as it is not on the Primary or Subject property and updated condition comments. However, the rebuttal is not acceptable for the subject property. xxxxxxpayoff does not reflect NPD is xxxxxx. Reflects interest from xxxxxx to xxxxxx and payoff is valid through xxxxxx . Provide evidence of the 6.2023 payment.<br>Reviewer Comment (2023-07-20): Agreed on xxxxxx as it is not on the Primary or Subject property and updated condition comments. However, the rebuttal is not acceptable for the subject property. The xxxxxx payoff does not reflect xxxxxx is 7/2023. Reflects interest from xxxxxx to xxxxxx and payoff is valid through xxxxxx . Provide evidence of the 6.2023 payment. |  |  | 07/28/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 792812 | xxxxxx | 28751207 | xxxxxx | 07/18/2023 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  | 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. | Reviewer Comment (2023-07-28): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-07-19): The guidelines do not restrict newly formed Entities from obtaining a Cert of Good Standing. Document is required. |  |  | 07/28/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 792812 | xxxxxx | 28758253 | xxxxxx | 07/18/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The loan file is missing an updated payment history for the mortgage accounts reporting on the credit report for 05.23 and 06.23. | 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. | Reviewer Comment (2023-07-27): Client elects to waive with verified compensation factors |  |  | 07/27/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 792812 | xxxxxx | 28766961 | xxxxxx | 07/18/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The background report reflects a judgment for $xxxxxx that was not addressed. | 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. | Reviewer Comment (2023-07-28): Client elects to waive with verified compensation factors |  |  | 07/28/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 792746 | xxxxxx | 28751927 | xxxxxx | 07/18/2023 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | File is missing evidence of the mortgage payments for the months of 5/2023 - 6/2023 for the borrower's primary residence. |  | Reviewer Comment (2023-07-19): Mortgage Statement provided reflects NPD 7/1 with no late fees. | 07/19/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 792746 | xxxxxx | 28767037 | xxxxxx | 07/18/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The background report reflects a judgment for $xxxxxx that was not addressed. | 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.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-07-28): Client elects to waive with verified compensation factors |  |  | 07/28/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 792746 | xxxxxx | 28767066 | xxxxxx | 07/18/2023 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | The HUD-1 in file is not signed/stamped certified. |  | Reviewer Comment (2023-07-19): Final signed HUD-1 provided | 07/19/2023 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 792746 | xxxxxx | 28767078 | xxxxxx | 07/18/2023 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Coverage is short by $0.97 cents per RCE. |  | Reviewer Comment (2023-07-19): Updated HOI policy provided | 07/19/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 790990 | xxxxxx | 28765760 | xxxxxx | 07/20/2023 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2023-08-02): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-07-25): Documents provided are the Ops Agreement and Corp Res. The condition is calling for the Articles of Org/Formation. |  |  | 08/02/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 790990 | xxxxxx | 28765762 | xxxxxx | 07/20/2023 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-xxxxxx Citizen Status not provided |  | Acceptable evidence of lawful permanent residency must be documented and meet one of the following<br> criteria:<br> ✓ I-151 – Permanent Resident Card (Green Card) that does not have an expiration date<br> ✓ I-551 – Permanent Resident Card (Green Card) issued for 10 years that has not expired<br> ✓ I-551 – Conditional Permanent Resident Card (Green Card) issued for 2 years that has an<br> expiration date and is accompanied by a copy of xxxxxx Form I-751 requesting removal of the<br> conditions<br> ✓ Un-expired Foreign Passport with an un-expired stamp reading as follows: "Processed for I-551<br> Temporary Evidence of Lawful Admission for Permanent Residence. Valid until mm-dd-yyyy.<br> Employment Authorized." |  | Reviewer Comment (2023-07-26): Perm Resident Card provided for 10 years | 07/26/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 790990 | xxxxxx | 28766085 | xxxxxx | 07/20/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Flood Insurance does not reflect the Entity as insured. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2023-08-02): Client elects to waive with verified compensation factors |  |  | 08/02/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 790990 | xxxxxx | 28774664 | xxxxxx | 07/20/2023 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | VOM for the subject property is from a private lender/non-institutional lender. Cancelled checks are required. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2023-07-28): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-07-26): Per a search of the company on the Note, xxxxxx or xxxxxx is a full service and self-funded private/xxxxxx. Cancelled checks are required. |  |  | 07/28/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 790990 | xxxxxx | 28774714 | xxxxxx | 07/20/2023 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard insurance coverage should be in the amount of the lesser of:<br> • 100% of the insurable value of improvements, as established by the property insurer (Replacement Cost Estimator or equivalent); or<br> • The unpaid principal balance of the mortgage if it equals the minimum amount (80% of the insurable value of the improvements) required to compensate for damage or loss on a replacement cost basis. If it does not, then coverage that does provide the minimum required amount must be obtained; or<br> • 100% Replacement Cost Coverage as stated on the policy declaration page.<br> Note: If the policy does not have 100% replacement cost or a replacement cost estimate is not provided, a processor's certification from xxxxxx verifying the insurer's replacement cost estimate is acceptable. The certification must include the insurance company's complete information, subject property details, confirm the replacement cost amount determined by the insurer, and be signed and dated by the processor. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2023-08-02): Client elects to waive with verified compensation factors |  |  | 08/02/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 790990 | xxxxxx | 28774719 | xxxxxx | 07/20/2023 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | Address is missing xxxxxx |  | Reviewer Comment (2023-07-28): New CDA provided with correct address | 07/28/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 792764 | xxxxxx | 28780015 | xxxxxx | 07/25/2023 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | File is missing evidence of the 5/2023 & 6/2023 mortgage payments for the borrower's primary residence. |  | Reviewer Comment (2023-08-03): Mortgage statement provided reflecting NPD 7/1 with no lates | 08/03/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 792764 | xxxxxx | 28780081 | xxxxxx | 07/25/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Delayed Financing: LTV is limited to the lesser of the apprised value or purchase price + documented improvements. Lender utilized the appraised value. | 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.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-09-13): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-09-12): The property was purchased xxxxxx . The application date is xxxxxx which is < 6 months and not eligible for C/O refinance unless the property was inherited or awarded in a divorce. The delayed financing conditions would be accurate and LTV is restricted to the lesser of the purchase price + doc improvements or appraised value. |  |  | 09/13/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 792764 | xxxxxx | 28811775 | xxxxxx | 07/25/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The background report reflects a judgment for $xxxxxx that was not addressed. | 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.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-08-02): Client elects to waive with verified compensation factors |  |  | 08/02/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 792764 | xxxxxx | 28812227 | xxxxxx | 07/25/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Delayed Financing: Funds for purchase of property was not provided. | 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.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-09-13): Client elects to waive with verified compensation factors |  |  | 09/13/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 792424 | xxxxxx | 28828466 | xxxxxx | 07/28/2023 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | The flood certificate is missing the xxxxxx unit number. |  | Reviewer Comment (2023-08-16): Update cert provided | 08/16/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 792424 | xxxxxx | 28843207 | xxxxxx | 07/28/2023 | Credit | Credit | Credit Calculation / Analysis | Credit | Missing Document: Alternative Credit Documentation not provided |  | Foreign national borrowers without qualifying xxxxxx. credit (Including borrowers without a valid Social Security number and borrowers with or without an Individual Tax Identification Number) must provide evidence of two (2) open tradelines reporting for two (2) years with activity in the most recent 12 months. No derogatory credit history is permitted within the 2-year history under review. ANY combination of the following is acceptable to arrive at the tradeline requirement:<br> o Tradelines evidenced via a xxxxxx. credit report; AND/OR<br> o Alternative Tradelines. Credit report reflects 1 tradeline reporting for 93 months. Further, borrower does not have valid SSN/ITIN. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-08-23): Client elects to waive with verified compensation factors |  |  | 08/23/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 792424 | xxxxxx | 28843278 | xxxxxx | 07/28/2023 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 65.00000% exceeds Guideline loan to value percentage of 60.00000%. | Max LTV for condo on a FN is 65% and 5% LTV reduction for STR (DSCR > 1.0). There is an investor exception in file for LTV, however the comments state this is due to to reserves of 6 months which is incorrect. Provide the updated form. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-08-01): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-08-01): Exception is still incorrect. The DSCR is not < 1.00. The 5% reduction is due to STR income being utilized. A 5% reduction is required utilizing STR income when the DSCR is > 1.0 |  |  | 08/01/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 792438 | xxxxxx | 28848104 | xxxxxx | 08/02/2023 | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | Credit Report: Original // Borrower: xxxxxx | The credit report is dated xxxxxx , which is not within 90 days of the note date of xxxxxx . | Borrower has verified disposable income of at least $2500.00.<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. | Reviewer Comment (2023-08-09): Client elects to waive with verified compensation factors |  |  | 08/09/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 792438 | xxxxxx | 28848220 | xxxxxx | 08/02/2023 | Compliance | TRID | Document Error | TRID | Loan Estimate: Dates are not in chronological order. | Date Issued: xxxxxx Issue date: xxxxxx; Received date: xxxxxx; Signed Date: | The initial loan estimate reflects the date issued as xxxxxx ; however, page 3 reflects the borrower the signed on xxxxxx . |  | Reviewer Comment (2023-07-31): Client elects to waive |  |  | 07/31/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 792438 | xxxxxx | 28848277 | xxxxxx | 08/02/2023 | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.98454% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.98454%). |  |  | Reviewer Comment (2023-07-31): Client elects to waive |  |  | 07/31/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B | B | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 792438 | xxxxxx | 28853506 | xxxxxx | 08/02/2023 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 6.21 is less than Guideline PITIA months reserves of 12.00. | Per xxxxxx Bank Statement matrix, LTV > 85% requires 12 months reserves. Loan closed at 90% LTV. | Borrower has verified disposable income of at least $2500.00.<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. | Reviewer Comment (2023-08-08): Client elects to waive with verified compensation factors |  |  | 08/08/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 793790 | xxxxxx | 28850791 | xxxxxx | 08/03/2023 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the updated mortgage history for the liens on credit through 6.2023. | The borrower has more than 5% of the down payment from their own funds.<br> $18,235.68 in reserves | Reviewer Comment (2023-08-03): Client elects to waive with verified compensation factors |  |  | 09/17/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 793790 | xxxxxx | 28858170 | xxxxxx | 08/03/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The application in file does not reflect any non-credit qualifying Guarantors. All credit documents are missing for xxxxxx. Provide the application, credit report, OFAC, background report, ID, business purpose cert and non-owner occupancy cert. | The borrower has more than 5% of the down payment from their own funds.<br>$18,235.68 in reserves | Reviewer Comment (2023-08-07): Client elects to waive with verified compensation factors |  |  | 09/17/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 793790 | xxxxxx | 28858213 | xxxxxx | 08/03/2023 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx, xxxxxx Limited Liability Company | The search for the Entity rendered no results. Provide the full report or an investor exception will be required. | The borrower has more than 5% of the down payment from their own funds.<br>$18,235.68 in reserves | Reviewer Comment (2023-08-07): Client elects to waive with verified compensation factors |  |  | 09/17/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 792780 | xxxxxx | 28872299 | xxxxxx | 08/07/2023 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The guidelines require a full 12 month mortgage history for the primary residence. The credit report reflects 2 months of history plus a mortgage statement to verify June's payment for a total of 3 months. The application reflects the primary has been owned for 6 years. The file does not contain any documentation to verify whether any of the closed mortgages on the credit report were associated with the primary residence. The file is missing evidence the previous 9 months of mortgage history or verification the property was owned free and clear prior to the mortgage reporting on the credit report. | 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>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-08-08): Client elects to waive with verified compensation factors |  |  | 08/08/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 794107 | xxxxxx | 28864004 | xxxxxx | 08/08/2023 | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.64451% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .64451%). |  |  | Reviewer Comment (2023-08-07): Client elects to waive |  |  | 08/07/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B | B | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 794107 | xxxxxx | 28882713 | xxxxxx | 08/08/2023 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Provide the RCE | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2023-08-10): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-08-09): Lender would like to waive |  |  | 08/10/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 792433 | xxxxxx | 28864141 | xxxxxx | 08/08/2023 | 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 (2023-08-11): FTP provided | 08/11/2023 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 792433 | xxxxxx | 28864172 | xxxxxx | 08/08/2023 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2023-08-11): FTP provided | 08/11/2023 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 792433 | xxxxxx | 28883090 | xxxxxx | 08/08/2023 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  | 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>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-08-15): Per guidelines, the UDM can be through the funding date which is reflected on the Fraud Report provided.<br>Reviewer Comment (2023-08-14): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-08-11): The start nor end date is within 10 days of the closing on the UDM report. | 08/15/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 792552 | xxxxxx | 28877424 | xxxxxx | 08/08/2023 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2023-08-15): Update UDM provided<br>Reviewer Comment (2023-08-11): The UDM provided end date is xxxxxx which is > than 10 days prior to closing. | 08/15/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 792552 | xxxxxx | 28877513 | xxxxxx | 08/08/2023 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of xxxxxx is less than Guideline minimum loan amount of $250,000.00. |  |  | Reviewer Comment (2023-08-21): Client request re-underwrite to xxxxxx. Allows $150K minimum loan amount. | 08/21/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 792552 | xxxxxx | 28877650 | xxxxxx | 08/08/2023 | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.99673% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .99673%). |  |  | Reviewer Comment (2023-08-07): Client elects to waive |  |  | 08/07/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 792552 | xxxxxx | 28877655 | xxxxxx | 08/08/2023 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx 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 $406,376.49 is under disclosed by $510.00 compared to the calculated Finance Charge of $406,886.49 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Finance Charge disclosed is $406,376.49. Calculated finance charge is $406,886.49. Variance of $510. The transaction coordination fee paid to Service Link reflected on the final CD was not included in the finance charge. TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for under-disclosed amount, Corrected CD, and Re-open Rescission if Applicable |  | Reviewer Comment (2023-08-28): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD. |  | 08/28/2023 |  | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | 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 | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 792552 | xxxxxx | 28878336 | xxxxxx | 08/08/2023 | 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 $60.00 exceeds tolerance of $50.00 plus 10% or $55.00. Insufficient or no cure was provided to the borrower. xxxxxx | 10% tolerance was exceeded by $5 due to increase of title fees on the closing disclosure dated xxxxxx. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $5, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  | Reviewer Comment (2023-08-28): SitusAMC received Post CD,LOX, Copy of refund check and proof of mailing.<br>Reviewer Comment (2023-08-14): SitusAMC require valid COC for addition of xxxxxx fee of $10 on CD dated xxxxxx as COC dated xxxxxx doesn't provide sufficient information on why the fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid Changed Circumstance or cure of $5 is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. |  | 08/28/2023 |  | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 792552 | xxxxxx | 28878363 | xxxxxx | 08/08/2023 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | The gift letter in file does not reflect the date the funds were transferred as required by guidelines. | 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. | Reviewer Comment (2023-08-22): Client elects to waive with verified compensation factors |  |  | 08/22/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 792552 | xxxxxx | 28883134 | xxxxxx | 08/08/2023 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-xxxxxx Citizen Status not provided |  | Per the immigration invoice, DACA renewal was paid for. Per guidelines, one following documents are required for DACA: Consideration of Deferred Action for xxxxxx – Form I-821D<br> • Application for Employment Authorization – Form I-765<br> • Worksheet – Form I-765WS |  | Reviewer Comment (2023-09-07): The client recently confirmed that these DACA forms are a few examples. Other forms can be submitted in lieu of and an EAD is also acceptable. Sufficient DACA items provided.<br>Reviewer Comment (2023-08-30): The document provided was in file at time of review and does not meet the requirement for DACA. Form provided was I-797 Notice of Action. The guidelines require Form 1-821D, I-765 or I-765WS. The actual form needs to be provided.<br>Reviewer Comment (2023-08-11): The document provided is cut off at the top, bottom and sides. Please try zooming out and re-loading. | 09/07/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 792073 | xxxxxx | 28894938 | xxxxxx | 08/15/2023 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Appraisal report did not disclose the unit numbers listed on the Note. |  | Reviewer Comment (2023-08-22): Updated appraisal received<br>Reviewer Comment (2023-08-22): No new trailing documents received. Please try uploading again. | 08/22/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 792073 | xxxxxx | 28896413 | xxxxxx | 08/15/2023 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | CDA did not disclose the unit numbers listed on the Note. |  | Reviewer Comment (2023-08-22): Updated CDA received<br>Reviewer Comment (2023-08-22): No new trailing documents received. Please try uploading again. | 08/22/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 792073 | xxxxxx | 28911842 | xxxxxx | 08/15/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the Note for the borrower's primary residence to support not obligated to the loan. | 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 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. | Reviewer Comment (2023-08-22): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-08-22): No new trailing documents received. Please try uploading again. |  |  | 08/22/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 792929 | xxxxxx | 28895901 | xxxxxx | 08/15/2023 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Mortgagee listed on evidence of insurance is not the current lender. There is no evidence this is the servicer for the current lender. |  | Reviewer Comment (2023-09-11): Updated HOI provided<br>Reviewer Comment (2023-08-22): Evidence will need to be provided that xxxxxx is a servicer of the lender. | 09/11/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 792929 | xxxxxx | 28912208 | xxxxxx | 08/15/2023 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  | Experienced investor owns and manages 1 or more properties for 12 months<br>Credit score 30+ points > minimum required | Reviewer Comment (2023-08-29): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-08-23): Loan was not reviewed to xxxxxx guidelines but investor guidelines. If Articles cannot be provided, then an investor exception will be required.<br>Reviewer Comment (2023-08-22): The Operating Agreement was provided. The condition is calling for the Articles which is a guideline requirement. Borrower being the sole owner has no bearing on this. |  |  | 08/29/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 794779 | xxxxxx | 28916049 | xxxxxx | 08/16/2023 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the xxxxxx payment for the REO property. |  | Reviewer Comment (2023-08-21): Mtg statement provided | 08/21/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 794640 | xxxxxx | 28980638 | xxxxxx | 08/28/2023 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  | Reviewer Comment (2023-09-11): Fraud Report provided | 09/11/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 794640 | xxxxxx | 28980974 | xxxxxx | 08/28/2023 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 3.93 is less than Guideline PITIA months reserves of 4.00. |  | Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-08-30): Client elects to waive with verified compensation factors |  |  | 08/30/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 794640 | xxxxxx | 28980983 | xxxxxx | 08/28/2023 | 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 (2023-09-11): FTP provided | 09/11/2023 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 794640 | xxxxxx | 28985309 | xxxxxx | 08/28/2023 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The VOR in file is future dated by the landlord dated 10.07.2023. Note date is xxxxxx. |  | Reviewer Comment (2023-09-11): Updated VOR provided with signature digital date. | 09/11/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 794640 | xxxxxx | 28985310 | xxxxxx | 08/28/2023 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2023-09-25): The gap report was provided. | 09/25/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 794640 | xxxxxx | 28987575 | xxxxxx | 08/28/2023 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Preliminary in file. |  |  | Reviewer Comment (2023-09-11): FTP provided | 09/11/2023 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 794640 | xxxxxx | 28987603 | xxxxxx | 08/28/2023 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx P&L Statement, Telephone Listing / Internet Search / Directory Assistance | The loan file is missing an internet search for the business phone number as required by guidelines and a YTD P&L statement (most recent 12 months of income). |  | Reviewer Comment (2023-10-13): Received YTD P&L Statement, Exception cleared.<br>Reviewer Comment (2023-09-11): Internet search provided. Pending receipt of YTD P&L | 10/13/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 794640 | xxxxxx | 29030864 | xxxxxx | 09/11/2023 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2023-09-28): A cleared fraud report was provided.<br>Reviewer Comment (2023-09-15): Still need evidence how the red flags were addressed.<br>Reviewer Comment (2023-09-11): High risk red flags not addressed nor approval provided for Fraud Report score > 800 | 09/28/2023 |  |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 794645 | xxxxxx | 28983908 | xxxxxx | 08/29/2023 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2023-10-04): Received credit report gap dated xxxxxx . Exception cleared. | 10/04/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 794645 | xxxxxx | 28983949 | xxxxxx | 08/29/2023 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary xxxxxx) |  |  | Reviewer Comment (2023-08-29): Client elects to waive |  |  | 08/29/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 794645 | xxxxxx | 28992983 | xxxxxx | 08/29/2023 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Telephone Listing / Internet Search / Directory Assistance | As per guideline,Business phone number must be verifiable via Google Search, 411.com or internet.The file is missing a copy of telephine listing/internet search. |  | Reviewer Comment (2023-09-27): The telephone list was provided. | 09/27/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 794645 | xxxxxx | 28993018 | xxxxxx | 08/29/2023 | Compliance | Compliance | Miscellaneous Compliance | Compliance | Other Compliance Exception (Manual Add) |  | The Final CD is missing |  | Reviewer Comment (2023-10-04): The Final CD was provided. | 10/04/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 794607 | xxxxxx | 28967281 | xxxxxx | 08/23/2023 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Internet Search | An independent search of the Borrower's employer's phone number was not located in the loan file as required by guidelines. |  | Reviewer Comment (2023-08-29): An internet search was provided. | 08/29/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 794607 | xxxxxx | 28967302 | xxxxxx | 08/23/2023 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report in file is not legible. |  | Reviewer Comment (2023-08-28): Fraud report provided | 08/28/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 794607 | xxxxxx | 28967305 | xxxxxx | 08/23/2023 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Deposit not provided |  | The verification of deposit in file is missing page 2. |  | Reviewer Comment (2023-08-30): Second page provided | 08/30/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 794607 | xxxxxx | 28989917 | xxxxxx | 08/28/2023 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2023-08-30): Clearance report provided | 08/30/2023 |  |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 794593 | xxxxxx | 28975209 | xxxxxx | 08/25/2023 | 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 (2023-10-13): Received Final Title policy. Exception cleared. | 10/13/2023 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Second Home | Purchase | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 794593 | xxxxxx | 28975212 | xxxxxx | 08/25/2023 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 3.23 is less than Guideline PITIA months reserves of 4.00. |  | 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>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-08-30): Client elects to waive with verified compensation factors |  |  | 08/30/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Second Home | Purchase | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 794593 | xxxxxx | 28984757 | xxxxxx | 08/25/2023 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  |  |  | Reviewer Comment (2023-10-24): Received Tax certificate. Exception cleared.<br>Reviewer Comment (2023-10-19): Received Tax certificate is not signed and dated, however tax information sheet is not acceptable. Please provide the Tax Certificate, Exception remains.<br>Reviewer Comment (2023-10-13): The tax sheet is not acceptable. Reflects estimated taxes from xxxxxx and $0 for other, Exception remains.<br>Reviewer Comment (2023-09-13): The tax sheet is not acceptable. Reflects estimated taxes from xxxxxx and $0 for other | 10/24/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 794593 | xxxxxx | 28984955 | xxxxxx | 08/25/2023 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2023-10-13): Received Final Title policy with coverage amount. Exception cleared. | 10/13/2023 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Second Home | Purchase | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 794593 | xxxxxx | 28984965 | xxxxxx | 08/25/2023 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | 411.com or google search for business was not provided |  | Reviewer Comment (2023-09-27): Received google search for the business listing phone number. Exception cleared. | 09/27/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 794808 | xxxxxx | 28911498 | xxxxxx | 08/17/2023 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | VOR in file for xxxxxx was completed by a private party/non-institutional lender. 6 months cancelled checks required. |  | Reviewer Comment (2023-08-31): Internet search provided reflects VOR is from a property management company. 6 months cancelled checks not required.<br>Reviewer Comment (2023-08-23): Documents provided were already in file at time of review. Cancelled checks are required per guidelines for private lanlords. | 08/31/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 794808 | xxxxxx | 28935875 | xxxxxx | 08/17/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the updated 1003/application reflecting the correct overseas address for xxxxxx. Further, provide evidence of where borrower xxxxxx. Credit Application reflects a PO Box. If borrower rents or owns, a 12 month history will need to be provided through 7.2023. |  | Reviewer Comment (2023-09-11): The final 1003 was provided.<br>Reviewer Comment (2023-09-06): The corrected 1003 and Lease provided reflects xxxxxx which is not the same as xxxxxx who lives at xxxxxx. Provide the housing history. Further, the lease reflects xxxxxx started renting on 3/2023, however the 1003 reflects borrower has lived at the residence for 5 years.<br>Reviewer Comment (2023-08-23): Corrected applications provided for both borrowers. Pending receipt of 12 month rental history for xxxxxx. | 09/11/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 794808 | xxxxxx | 28935896 | xxxxxx | 08/17/2023 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | 5 of the 8 lease agreements were not provided in the loan file. | 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. | Reviewer Comment (2023-09-12): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-09-07): The lender's LOE is not acceptable. Please review the comments from 8/30: Per the appraisal report, all units are occupied. If they are not, then the appraisal report needs to be updated as the lease agreements are required. This was emailed to the investor on 8.29<br>Reviewer Comment (2023-08-30): Per the appraisal report, all units are occupied. If they are not, then the appraisal report needs to be updated as the lease agreements are required. This was emailed to the investor on 8.29<br>Reviewer Comment (2023-08-25): This is the first time the condition was queued for clearing. The appraisal reflects all units are occupied. |  |  | 09/12/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 794808 | xxxxxx | 28935908 | xxxxxx | 08/17/2023 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Mortgagee + ISAOA is missing |  | Reviewer Comment (2023-08-25): Updated HOI provided<br>Reviewer Comment (2023-08-23): The corrected HOI does not have a matching address. Address should be xxxxxx | 08/25/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 791848 | xxxxxx | 28915408 | xxxxxx | 08/17/2023 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | The flood certificate reflects the city as xxxxxx; however, the note reflects xxxxxx. |  | Reviewer Comment (2023-08-24): Updated flood cert provided | 08/24/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 791848 | xxxxxx | 28915444 | xxxxxx | 08/17/2023 | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.99401% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.99401%). |  |  | Reviewer Comment (2023-08-16): Client elects to waive |  |  | 08/16/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 791848 | xxxxxx | 28915445 | xxxxxx | 08/17/2023 | Compliance | Compliance | State Compliance | State Late Charge | xxxxxx Primary Residence Late Charge Grace Period Testing | xxxxxx Late Charge: Note grace period of 5 days is less than the state minimum of 10 days. |  |  | Reviewer Comment (2023-08-16): Client elects to waive |  |  | 08/16/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 791848 | xxxxxx | 28915446 | xxxxxx | 08/17/2023 | Compliance | Compliance | State Compliance | State Late Charge | xxxxxx Primary Residence Late Charge Percent Testing | xxxxxx Late Charge: Note late charge of 10.00000% exceeds state maximum of 6% or $5, whichever is greater. |  |  | Reviewer Comment (2023-08-16): Client elects to waive |  |  | 08/16/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 791848 | xxxxxx | 28915456 | xxxxxx | 08/17/2023 | 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 Title - Notary Fee. Fee Amount of $300.00 exceeds tolerance of $275.00. Insufficient or no cure was provided to the borrower. (7568) | The Title - Notary Fee increased from $275.00 on the initial Loan Estimate to $300.00 on the initial Closing Disclosure dated xxxxxx without a valid change of circumstance. |  | Reviewer Comment (2023-08-25): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check<br>Reviewer Comment (2023-08-21): SitusAMC received Changed Circumstance dated xxxxxx but it does not give sufficient information on why the fee was increased. 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 Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. |  | 08/25/2023 |  | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 791848 | xxxxxx | 28915602 | xxxxxx | 08/17/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The guidelines require fidelity insurance coverage equaling at least the sum of three months of assessments on all units in the project. The policy provided has coverage of xxxxxx, which does not cover the required xxxxxx. The file contains an Investor exception. | 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>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. | Reviewer Comment (2023-08-16): Client elects to waive with verified compensation factors |  |  | 08/16/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 791848 | xxxxxx | 28915626 | xxxxxx | 08/17/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The guidelines require one of the following when using Form 1099 to qualify the loan: 1) checks or a single check stub with YTD totals or 2) bank statements (YTD). The YTD income must support the 1099 income within 10% or greater than prior year. The file contains YTD bank statements; however, the deposits into the account from the source on the Form 1099 do not support the 1099 income. The file contains a written verification of employment (WVOE) from the source on the Form 1099 that supports the 1099 income; however, a WVOE is not a valid document for this type of income. The file contains an Investor exception. | 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>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. | Reviewer Comment (2023-08-16): Client elects to waive with verified compensation factors |  |  | 08/16/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 791848 | xxxxxx | 28922453 | xxxxxx | 08/17/2023 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | The guidelines require a minimum of 6 months ownership seasoning on a refinance transaction. The borrower did not take ownership of the property until xxxxxx and the loan closed on xxxxxx ; therefore, the borrower did not meet the required 6 months seasoning. | 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>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. | Reviewer Comment (2023-08-24): Client elects to waive with verified compensation factors |  |  | 08/24/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 791848 | xxxxxx | 28922468 | xxxxxx | 08/17/2023 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | The deed and preliminary title reflects the property was vested in the borrower and borrower's father name; however, the preliminary title supplemental report and security instrument reflect the property will be vested solely in the borrower's name at time of closing. The file is missing a copy of the deed transferring the property solely to the borrower and removing the father. |  | Reviewer Comment (2023-08-24): Deed provided | 08/24/2023 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 791848 | xxxxxx | 28939392 | xxxxxx | 08/17/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The loan was approved as a Rate and Term Refinance which allows the lesser of 2% of the loan amount or $5,000 in cash back. The PC-CD Closing Disclosure and Final Settlement Statement reflect the borrower received $3,240.26 back at closing plus paid off a tax lien of xxxxxx. Provide the updated 1003/1008 reflecting C/O. | 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>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. | Reviewer Comment (2023-08-21): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-08-21): The PC-CD and Final SS were provided that match figures, reflecting cash in hand back <$2% of the loan amount or $5,000, however that Franchise Tax Lien was at close totaling $>7K which is included in the overall cash out. |  |  | 08/21/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 791848 | xxxxxx | 28939466 | xxxxxx | 08/17/2023 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or xxxxxx) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Title reflects original lien holder is the same as the lender. |  | Reviewer Comment (2023-08-16): Client elects to waive |  |  | 08/16/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 791848 | xxxxxx | 28983216 | xxxxxx | 08/25/2023 | Credit | Guideline | Guideline Issue | Guideline | Refi Purpose reflects Rate/Term and cash out greater than the lesser of 2% of the loan amount or $2000. | Cash to Borrower: $3,240.26; Total Cash Out: $10,721.47; Refi Purpose: Rate/Term |  | 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>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. | Reviewer Comment (2023-08-25): Client elects to waive with verified compensation factors |  |  | 08/25/2023 | 2 | B | B |  | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 793769 | xxxxxx | 28935408 | xxxxxx | 08/17/2023 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the updated history for the mortgage lien on credit through 7.2023. | 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.<br>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. | Reviewer Comment (2023-08-18): Client elects to waive with verified compensation factors |  |  | 08/18/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 793769 | xxxxxx | 28935506 | xxxxxx | 08/17/2023 | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  | 6 months rent loss insurance required. | 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.<br>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. | Reviewer Comment (2023-08-18): Client elects to waive with verified compensation factors |  |  | 08/18/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 794829 | xxxxxx | 28961302 | xxxxxx | 08/21/2023 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Appraisal is not in the name of the lender. |  | Reviewer Comment (2023-08-21): Client elects to waive |  |  | 08/21/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 793196 | xxxxxx | 28961250 | xxxxxx | 08/22/2023 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2023-08-22): Client elects to waive |  |  | 08/22/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 793196 | xxxxxx | 28961251 | xxxxxx | 08/22/2023 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.48818% or Final Disclosure APR of 8.54900% is equal to or greater than the threshold of APOR 6.72% + 1.5%, or 8.22000%. Non-Compliant Higher Priced Mortgage Loan. | Email provided verifying appraisal was sent xxxxxx , however there is no evidence of borrower receipt. 3 day mailbox rule applied. Presumed date received by borrower is xxxxxx which is not within 3 days prior to closing. |  | Reviewer Comment (2023-08-24): Delivery receipt provided | 08/24/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 793196 | xxxxxx | 28961252 | xxxxxx | 08/22/2023 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | Email provided verifying appraisal was sent xxxxxx , however there is no evidence of borrower receipt. 3 day mailbox rule applied. Presumed date received by borrower is xxxxxx which is not within 3 days prior to closing. |  | Reviewer Comment (2023-08-24): Delivery receipt provided | 08/24/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 793196 | xxxxxx | 28961253 | xxxxxx | 08/22/2023 | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.21243% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .21243%). |  |  | Reviewer Comment (2023-08-22): Client elects to waive |  |  | 08/22/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 793196 | xxxxxx | 28961254 | xxxxxx | 08/22/2023 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Reviewer Comment (2023-08-22): Client elects to waive |  |  | 08/22/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 793196 | xxxxxx | 28961255 | xxxxxx | 08/22/2023 | 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 $126.00 exceeds tolerance of $84.00 plus 10% or $92.40. Insufficient or no cure was provided to the borrower. xxxxxx | Cure nor valid COC provided |  | Reviewer Comment (2023-08-28): SitusAMC received updated valid Changed Circumstance on xxxxxx .<br>Reviewer Comment (2023-08-25): SitusAMC received Changed Circumstance dated xxxxxx , but it does not give sufficient information on requirement of Spousal deed and why the information was not known at the time of initial disclosure. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee added for Spousal deed 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. | 08/28/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 793641 | xxxxxx | 28961229 | xxxxxx | 08/22/2023 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | VOR was completed by a non institutional landlord and 6 months canceled checks to verify the rent payment history is missing from the loan file as required by guidelines. | 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 Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2023-09-01): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-08-30): The pay history from the landlord is the same thing as the VOR. The guidelines the borrower to provide 6 months cancelled checks when the VOR is completed by a non-institutional landlord.<br>Reviewer Comment (2023-08-28): The UW LOE is not sufficient. The VOR is completed by an individual with no company name listed. The landlord giving himself the title of xxxxxx is not sufficient nor is there evidence this property is run by a property management company. 6 months cancelled checks are required. |  |  | 09/01/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 793641 | xxxxxx | 28961245 | xxxxxx | 08/22/2023 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure xxxxxx on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final xxxxxx | Final Closing Disclosure xxxxxx on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. |  | Reviewer Comment (2023-08-25): SitusAMC received corrected closing disclosure. |  | 08/25/2023 |  | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 793641 | xxxxxx | 28969701 | xxxxxx | 08/22/2023 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2023-08-22): Client elects to waive |  |  | 08/22/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 793641 | xxxxxx | 28969702 | xxxxxx | 08/22/2023 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 10.07783% or Final Disclosure APR of 10.16200% is equal to or greater than the threshold of APOR 6.72% + 2.5%, or 9.22000%. Non-Compliant Higher Priced Mortgage Loan. | The delivery in file is dated prior to the appraisal completion date. |  | Reviewer Comment (2023-08-30): Evidence the updated appraisal was delivered to the borrower was provided.<br>Reviewer Comment (2023-08-28): Origination report provided and delivery of that report in file. Regulations require updated reports, regardless of updates, to be delivered to the borrower. LOE from lender states it was not delivered. | 08/30/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 793641 | xxxxxx | 28969703 | xxxxxx | 08/22/2023 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | The delivery in file is dated prior to the appraisal completion date. |  | Reviewer Comment (2023-08-30): Evidence the updated appraisal was delivered to the borrower was provided.<br>Reviewer Comment (2023-08-28): Origination report provided and delivery of that report in file. Regulations require updated reports, regardless of updates, to be delivered to the borrower. LOE from lender states it was not delivered. | 08/30/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 793641 | xxxxxx | 28997625 | xxxxxx | 08/30/2023 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2023-08-30): The client elects to waive. |  |  | 08/30/2023 | 2 | B | B |  | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 793320 | xxxxxx | 28965563 | xxxxxx | 08/23/2023 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  | Reviewer Comment (2023-08-24): Received HOI | 08/24/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 793308 | xxxxxx | 28977501 | xxxxxx | 08/25/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The final application reflects the borrower's primary residence is the property located on xxxxxx; however, the file contains a letter of explanation that indicates the borrower will be moving into a new primary residence but does not provide the address. The file contains an unsigned application that indicates the property located on xxxxxx xxxxxx will be the primary residence under the REO section; however, still reflects xxxxxx as the primary residence under the Personal Information section. Documentation with the correct primary address is required. |  | Reviewer Comment (2023-09-08): Updated 1003 provided<br>Reviewer Comment (2023-09-01): Page 1 still reflects the borrower's primary as xxxxxx | 09/08/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 793308 | xxxxxx | 28977509 | xxxxxx | 08/25/2023 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification, Statement, Tax Verification | The application indicates the property located on xxxxxx xxxxxx is going to be the borrower's primary residence. However, the file does not contain any documentation to verify the mortgage payment (if applicable), taxes, insurance and HOA Dues (if applicable). |  | Reviewer Comment (2023-09-08): PITIA documents provided<br>Reviewer Comment (2023-09-01): The 1003 does not clear this condition. The Final PITIA docs for xxxxxx xxxxxx needs to be provided | 09/08/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 793308 | xxxxxx | 28977510 | xxxxxx | 08/25/2023 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification | The file is missing evidence of the insurance premium for the property on Via xxxxxx. |  | Reviewer Comment (2023-09-12): Updated HOI provided<br>Reviewer Comment (2023-09-12): The same document was provided that was previously submitted and not acceptable. See comments from 9/11: The HOI provided for xxxxxx is from xxxxxx. Provide the current HOI.<br>Reviewer Comment (2023-09-11): The HOI provided for xxxxxx is from xxxxxx. Provide the current HOI. | 09/12/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 793308 | xxxxxx | 28977860 | xxxxxx | 08/25/2023 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2023-08-29): Gap provided | 08/29/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 793308 | xxxxxx | 28977871 | xxxxxx | 08/25/2023 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2023-08-28): The approval was provided. | 08/28/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 793308 | xxxxxx | 28978254 | xxxxxx | 08/25/2023 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary xxxxxx) |  |  | Reviewer Comment (2023-08-25): Client elects to waive |  |  | 08/25/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 793308 | xxxxxx | 28978255 | xxxxxx | 08/25/2023 | Compliance | Compliance | Federal Compliance | GSE | xxxxxx Points and Fees | xxxxxx Points and Fees on subject loan of 8.53256% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and xxxxxx (2023). xxxxxx Finance Charge total xxxxxx on a Original Loan Amount of xxxxxx vs. an allowable total of xxxxxx and xxxxxx (2023) (an overage of xxxxxx or 3.53256%). |  |  | Reviewer Comment (2023-08-25): NA. BP Loan |  |  | 08/25/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B | B | B A | N/A | N/A | Yes | Mortgagor Focused |
| xxxxxx | 793308 | xxxxxx | 28983280 | xxxxxx | 08/25/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The file contains a hazard insurance policy for a property located at xxxxxx that indicates the borrower has a landlord policy on the property. Per the application and business license, this property is the borrower's business address; however, the file does not contain any documentation to verify the actual ownership of the property. If the property is in the borrower's, the property needs to be added to the REO and include the full PITIA in the debt calculation. |  | Reviewer Comment (2023-09-01): Property profile report provided reflecting not in borrower's name. | 09/01/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 793308 | xxxxxx | 28983478 | xxxxxx | 08/25/2023 | Credit | Guideline | Guideline Issue | Guideline | More than 3 NSFs/Overdraft Transfers occurred in the most recent 12-month period. |  | The bank statements verify 14 NSFs/Overdrafts in the last 12 months. The file contains an investor exception. | 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 Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-08-25): Client elects to waive with verified compensation factors |  |  | 08/25/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 793308 | xxxxxx | 28983518 | xxxxxx | 08/25/2023 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. |  | The application reflects the subject property is an investment property; however, the occupancy certification reflects the property will be a second home. |  | Reviewer Comment (2023-09-12): Updated NOO provided<br>Reviewer Comment (2023-09-07): Document provided is not acceptable. Signature and date do not match other documents in file signed by the borrower. Verified with investor as well.<br>Reviewer Comment (2023-09-07): No new documents received. Please try uploading again.<br>Reviewer Comment (2023-09-01): The COC provided is blank and not executed. | 09/12/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 793900 | xxxxxx | 28975581 | xxxxxx | 08/25/2023 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial xxxxxx) | Disclosures were sent to borrower prior to obtain consent for electronic disclosure from borrower. Lender to provide proof of consent within initial 3 days of application or proof of disclosure sent to borrower using another method within 3 days of application. E-sign consent in loan file is dated at closing. |  | Reviewer Comment (2023-08-29): SitusAMC received e-consent dated xxxxxx  | 08/29/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 793900 | xxxxxx | 28975585 | xxxxxx | 08/25/2023 | 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 $850.00 exceeds tolerance of $795.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Lender cure of -$462.29 is reflecting on the Final Closing Disclosure dated xxxxxx . |  | Reviewer Comment (2023-08-23): Sufficient Cure Provided At Closing |  | 08/23/2023 |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Second Home | Purchase | Final CD evidences Cure A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 793900 | xxxxxx | 28975586 | xxxxxx | 08/25/2023 | 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 Credit Report Fee. Fee Amount of $557.29 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) | Lender cure of -$462.29 is reflecting on the Final Closing Disclosure dated xxxxxx . |  | Reviewer Comment (2023-08-23): Sufficient Cure Provided At Closing |  | 08/23/2023 |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Second Home | Purchase | Final CD evidences Cure A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 793321 | xxxxxx | 28985078 | xxxxxx | 08/28/2023 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2023-09-01): UDN provided | 09/01/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 793321 | xxxxxx | 28985089 | xxxxxx | 08/28/2023 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2023-09-08): Approval provided | 09/08/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 793321 | xxxxxx | 28985226 | xxxxxx | 08/28/2023 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the 7.2023 mortgage payment for the borrower's primary residence. |  | Reviewer Comment (2023-09-12): Supplement provided reflecting NPD xxxxxx <br>Reviewer Comment (2023-09-08): The loan on the primary is with Specialized Loan Servicing. DLA reflects 5/2023. | 09/12/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 793321 | xxxxxx | 28985244 | xxxxxx | 08/28/2023 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx , Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2023-09-08): Clearance report provided | 09/08/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 793321 | xxxxxx | 28989082 | xxxxxx | 08/28/2023 | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) xxxxxx Subprime Loan (Ability to Repay not Verified) | xxxxxx Subprime Loan: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully-indexed rate with fully-amortizing payment and taking into account payments on any simultaneously-closed loans. |  |  | Reviewer Comment (2023-08-28): Client elects to waive |  |  | 08/28/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | No obvious cure C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 793321 | xxxxxx | 28989083 | xxxxxx | 08/28/2023 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) xxxxxx Subprime Loan (Counseling Disclosure Not Provided) | xxxxxx Subprime Loan: Counseling Disclosure not provided to borrower. |  |  | Reviewer Comment (2023-08-28): Client elects to waive |  |  | 08/28/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | No obvious cure C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 793321 | xxxxxx | 28989084 | xxxxxx | 08/28/2023 | Compliance | Compliance | State Compliance | State HPML | xxxxxx Subprime Home Loan Threshold Fixed Non-Compliant | xxxxxx Subprime Loan: APR on subject loan of 9.31170% or Final Disclosure APR of 9.35100% is in excess of allowable threshold of Prime Mortgage Market Rate 6.96000 + 1.75%, or 8.71000%. Non-Compliant SubPrime Loan. |  |  | Reviewer Comment (2023-08-28): Client elects to waive |  |  | 08/28/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | (Limited Use Bona Fide Errors - Compliance and Client Approval Required) With no time limit for which a cure may be made, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the subprime home loan threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | B | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 793321 | xxxxxx | 28989085 | xxxxxx | 08/28/2023 | Compliance | Compliance | Federal Compliance | Compliance | TRID Final Closing Disclosure Escrow and Non Escrow Amount on Approval | Unable to determine if amount of escrow or non-escrow costs disclosed on the loan approval due to missing information. (Final xxxxxx |  |  | Reviewer Comment (2023-09-20): 1008 provided with figures | 09/20/2023 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 795074 | xxxxxx | 28965223 | xxxxxx | 03/09/2023 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM provided is invalid. The FSD is greater than 0.2. Sec ID: 12 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2023-03-16): Included in trailing documents | 03/16/2023 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A D B |  | N/A | No | Property Focused |
| xxxxxx | 795074 | xxxxxx | 28965224 | xxxxxx | 03/09/2023 | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | There is layered entity ownership of the borrowing entity. | 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. | Reviewer Comment (2023-09-14): The client elects to waive. |  |  | 09/14/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A D B |  | N/A | No | Property Focused |
| xxxxxx | 795074 | xxxxxx | 28965225 | xxxxxx | 03/16/2023 | 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: xxxxxx; Lien Position: 1 |  | 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. | Reviewer Comment (2023-09-14): The client elects to waive. |  |  | 09/14/2023 | 2 | A | A |  | A B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A D B |  | N/A | No | Property Focused |
| xxxxxx | 795084 | xxxxxx | 28965262 | xxxxxx | 03/27/2023 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I | Note P&I of $1,835.44 does not match Calculated P&I of $1,855.63 | Per Section 1.B., last paragraph of the Promissory Note: "Interest on this Note shall be calculated on the basis of the actual number of days elapsed and on the basis of a three hundred sixty (360) day year." Interest calculation is based on "actual/360" and the payment reflected on the Note, Section 1.C. is based on an "In Arrears" calculation. |  | Reviewer Comment (2023-05-01): Received Note Amendment changing the margin to 5.00% and calculating interest on a xxxxxx 0 basis. Amendment executed by Guarantor.<br>Reviewer Comment (2023-04-28): A copy of the signed amendment is required to clear.<br>Reviewer Comment (2023-04-10): Received Note Amendment changing the margin to 5.00% and calculating interest on a xxxxxx 0 basis. Amendment executed by eSign. Moved to buyer queue for consideration.<br>Reviewer Comment (2023-04-04): Received Note Amendment changing the margin to 5.00% and calculating interest on a xxxxxx 0 basis. Exception can be cleared once the executed Note Amendment is received. | 05/01/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 795084 | xxxxxx | 28965263 | xxxxxx | 03/27/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per Section 1.B. of the Note, the "SOFR Floor" is capped at 5.00%. The margin of 2.00% is added to the SOFR Rate which could equate to a Life Floor of 7.00%. Note states Life Floor is 5.00% |  | Reviewer Comment (2023-05-01): Received Note Amendment changing the margin to 5.00% and calculating interest on a xxxxxx 0 basis. Amendment executed by Guarantor.<br>Reviewer Comment (2023-04-28): A copy of the signed amendment is required to clear.<br>Reviewer Comment (2023-04-04): Received Note Amendment changing the margin to 5.00% and calculating interest on a xxxxxx 0 basis. Exception can be cleared once the executed Note Amendment is received. | 05/01/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 795122 | xxxxxx | 28965331 | xxxxxx | 05/24/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Gift funds are readily apparent within the file and constitute greater than 50% of the down payment. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2023-07-11): Waived per client request.<br>Reviewer Comment (2023-06-21): Moved to xxxxxx for waiver and downgrade consideration. This exception was set at xxxxxx request (xxxxxx overlay guidance). A gift letter is in file for 110K. The only apparent comp factor is DSCR of 1.25 where 1.00 is required. |  |  | 07/11/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 795122 | xxxxxx | 28965332 | xxxxxx | 05/24/2023 | 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 6.00. |  |  | Reviewer Comment (2023-06-21): Borrower was added as an account holder to the xxxxxx account per docs in file giving him full access to the funds. | 06/21/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 795122 | xxxxxx | 28965333 | xxxxxx | 05/24/2023 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $110,287.00 is less than Cash From Borrower $140,877.42. |  |  | Reviewer Comment (2023-06-21): Borrower was added as an account holder to the xxxxxx account per docs in file giving him full access to the funds. | 06/21/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 795134 | xxxxxx | 28965375 | xxxxxx | 07/12/2023 | 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 6.00. |  | The Loan to Cost (LTC) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Reviewer Comment (2023-07-28): Credit exception approval based on 2 or more compensating factors meeting client criteria. |  |  | 07/28/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 795134 | xxxxxx | 28965377 | xxxxxx | 07/12/2023 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $15,400.00 is less than Cash From Borrower $203,570.31. | Age of asset documentation greater than 60 days old and only one month provided. 1031 exchange agreement is not signed, closing statement was not provided for the 1031 funds in the amount of $188,170.31 reflected on the Closing Statement for the subject property. |  | Reviewer Comment (2023-07-28): Received 1031 exchange confirmation in trailing. | 07/28/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 795177 | xxxxxx | 28965427 | xxxxxx | 08/07/2023 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2023-09-19): The final title policy was provided with sufficient coverage. | 09/19/2023 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 795177 | xxxxxx | 28965428 | xxxxxx | 08/07/2023 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  |  | Reviewer Comment (2023-09-19): The final title policy was provided with sufficient coverage. | 09/19/2023 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 794689 | xxxxxx | 28991354 | xxxxxx | 08/29/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per guidelines, the loan must be vested in an Entity in the State of xxxxxx. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2023-08-30): The client elects to waive. |  |  | 08/30/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 796068 | xxxxxx | 28997538 | xxxxxx | 09/01/2023 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | The flood certificate reflects the city as xxxxxx; however, the note reflects xxxxxx. |  | Reviewer Comment (2023-09-11): An updated flood cert | 09/11/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 796068 | xxxxxx | 28997541 | xxxxxx | 09/01/2023 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | The CDA reflects the city as xxxxxx; however, the note reflects xxxxxx. |  | Reviewer Comment (2023-09-08): Updated CDA provided | 09/08/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 792251 | xxxxxx | 29002008 | xxxxxx | 09/01/2023 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of xxxxxx is less than Guideline minimum loan amount of $150,000.00. | Investor exception in file | 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. | Reviewer Comment (2023-08-31): Client elects to waive with verified compensation factors |  |  | 08/31/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 795538 | xxxxxx | 29022754 | xxxxxx | 09/13/2023 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>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. | Reviewer Comment (2023-10-03): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-09-26): The guidelines state and Ops Agreement is required. Provide the Operating Agreement. The guidelines do not state it is not required. |  |  | 10/03/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 795538 | xxxxxx | 29028620 | xxxxxx | 09/13/2023 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  | Reviewer Comment (2023-09-25): Articles of Organization were provided. | 09/25/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 795538 | xxxxxx | 29032966 | xxxxxx | 09/13/2023 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>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. | Reviewer Comment (2023-10-03): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-10-02): The Operating Agreement was not provided to verify ownership or %. Therefore this condition cannot be cleared until that document is provided. |  |  | 10/03/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 795538 | xxxxxx | 29032997 | xxxxxx | 09/13/2023 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | HOA project is involved in litigation. |  | Per the HOA questionnaire, the HOA is in litigation. Developer claim against General Contractor under case xxxxxx. Investor exception will be required. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>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. | Reviewer Comment (2023-10-03): Client elects to waive with verified compensation factors. Per Client, the litigation does not apply to the borrower or subject and is not a safety or structural concern.<br>Reviewer Comment (2023-09-25): The investor will need to examine this and determine if an exception is granted or not. The xxxxxx being non-warrantable has no bearing on this exception. |  |  | 10/03/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 793849 | xxxxxx | 29039227 | xxxxxx | 09/14/2023 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | File is missing the Investment Affidavit | The qualifying DSCR on the loan is greater than the guideline minimum.<br>Experienced Investor owns and manages 2 or more properties for 12 months | Reviewer Comment (2023-09-20): Client elects to waive with verified compensation factors |  |  | 09/20/2023 | 2 | C B | C B | C | B D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 793849 | xxxxxx | 29043413 | xxxxxx | 09/14/2023 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of is less than Guideline PITIA months reserves of 6.00. | Per the xxxxxx, C/O cannot be utilized for reserves for Mixed Use properties. | The qualifying DSCR on the loan is greater than the guideline minimum.<br>Experienced Investor owns and manages 2 or more properties for 12 months | Reviewer Comment (2023-09-20): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-09-19): Per the xxxxxx, for mixed use properties, C/O cannot be utilized for reserves.<br>Reviewer Comment (2023-09-18): Please see the original condition: Per the xxxxxx, C/O cannot be utilized for reserves for Mixed Use properties.<br>Reviewer Comment (2023-09-15): Cash-out proceeds cannot be used for reserves on mixed-use property. |  |  | 09/20/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 795569 | xxxxxx | 29055981 | xxxxxx | 09/20/2023 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of xxxxxx is less than Guideline minimum loan amount of $150,000.00. | Loan amount of xxxxxx is less than the minimum guideline requirement of $150,000. Investor and lender exception in file, however comp factors on investor exception form are not correct. LTV/CLTV is not 5% above the max. | 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. | Reviewer Comment (2023-09-27): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-09-22): The form being referenced is the investor's exception form they provided for this. The investor must approve all exceptions with valid comp factors. |  |  | 09/27/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 796232 | xxxxxx | 29081266 | xxxxxx | 09/22/2023 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | City on Note does not match City on Flood Cert. |  | Reviewer Comment (2023-10-04): Updated flood Cert provided | 10/04/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 793135 | xxxxxx | 29211296 | xxxxxx | 10/12/2023 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2023-10-16): Final 1003 provided | 10/16/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Refinance - Rate/Term | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 793135 | xxxxxx | 29211316 | xxxxxx | 10/12/2023 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2023-10-16): Received Credit report dated xxxxxx . Exception cleared. | 10/16/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Refinance - Rate/Term | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 793135 | xxxxxx | 29211319 | xxxxxx | 10/12/2023 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The file is missing evidence of the xxxxxx payment for the borrower's primary residence mortgage account xxxxxx. |  | Reviewer Comment (2023-10-16): Received Credit supplemental report showing mortgage payment made till xxxxxx 23. Exception cleared. | 10/16/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Second Home | Refinance - Rate/Term | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 793135 | xxxxxx | 29211712 | xxxxxx | 10/12/2023 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2023-10-12): Client elects to waive |  |  | 10/12/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Second Home | Refinance - Rate/Term | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 793135 | xxxxxx | 29211713 | xxxxxx | 10/12/2023 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2023-10-12): Client elects to waive |  |  | 10/12/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Second Home | Refinance - Rate/Term | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 793135 | xxxxxx | 29227765 | xxxxxx | 10/12/2023 | 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 Collateral Desktop Analysis. Fee Amount of $171.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75106) | The CDA Fee increased from $0.00 on the initial Loan Estimate to $171.00 on the initial Closing Disclosure without a valid change of circumstance. |  | Reviewer Comment (2023-10-20): SitsuAMC received Post CD,LOX,Copy of refund check and proof of mailing.<br>Reviewer Comment (2023-10-19): SitusAMC Received PCCD, LOE, Refund Check and Proof of Mailing; however, provided tracking ID reflects following result "Unfortunately we are unable to retrieve your tracking results at this time. Please try again later.". Please provide evidence that borrower received the Copy of check<br>Reviewer Comment (2023-10-16): SitusAMC received Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the CDA fee was added as it only states UW required. In order to determine if the changed circumstance is valid more information is necessary on reason fee added 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. |  | 10/20/2023 |  | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 797180 | xxxxxx | 29092506 | xxxxxx | 09/28/2023 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2023-09-29): The approval was provided. | 09/29/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 797180 | xxxxxx | 29092929 | xxxxxx | 09/28/2023 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2023-10-02): Received Credit report dated xxxxxx , Exception cleared. | 10/02/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 797180 | xxxxxx | 29092997 | xxxxxx | 09/28/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File is missing the 12 month mortgage payment history for the REO properties located at xxxxxx. |  | Reviewer Comment (2023-10-02): Property profile reports provided to support in the name of the LLC<br>Reviewer Comment (2023-10-02): Mortgage statements are acceptable proof borrower is not obligated to the lien as statements do not always reflect all borrowers. Provide the property profile reports for both properties verifying properties are owned by the Corporation. | 10/02/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 797180 | xxxxxx | 29093719 | xxxxxx | 09/28/2023 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  | Reviewer Comment (2023-09-27): Client elects to waive |  |  | 09/27/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 797180 | xxxxxx | 29093784 | xxxxxx | 09/28/2023 | Credit | Income | Income Error | Income | The Total Bank Statement Period months provided is less than the required # of Bank Statements required. | Borrower: xxxxxx // Employment Type: Employment / Income Type: Bank Statements / Start date: xxxxxx | Loan approved with 12 Months Bank Statement program, however only 11 months of bank statements were located in file. The bank statement for xxxxxx is missing. |  | Reviewer Comment (2023-09-29): The April bank statement was provided. | 09/29/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 797180 | xxxxxx | 29106412 | xxxxxx | 09/28/2023 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2023-09-29): A cleared fraud report was provided. | 09/29/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 797180 | xxxxxx | 29106414 | xxxxxx | 09/28/2023 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | HOA project is involved in litigation. |  | HOA cert reflects property is in litigation. Investor exception will be required. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-10-13): Client elects to waive with verified compensation factors. Per Client, the litigation does not apply to the borrower or subject and is not a safety or structural concern. |  |  | 10/13/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 795980 | xxxxxx | 29099252 | xxxxxx | 09/29/2023 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification | The file is missing the insurance verification for the property located on xxxxxx. The file contains a mortgage statement that indicates an escrow account was set up; however, the mortgage was paid off prior to the subject loan closing; therefore, an escrow account is no longer set up and verification of the insurance is required. |  | Reviewer Comment (2023-10-10): Received Letter of explanation for insurance verification of property address xxxxxx. Exception cleared. | 10/10/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D A C | A | A D | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 795980 | xxxxxx | 29102511 | xxxxxx | 09/29/2023 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 | The xxxxxx CU has a score of 1; however, the xxxxxx CU reflects not eligible for rep and warrant. In this case, a secondary valuation product will be required |  | Reviewer Comment (2023-10-10): Received CDA, Exception Cleared. | 10/10/2023 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Primary | Purchase | D A C | A | A D | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 795980 | xxxxxx | 29102766 | xxxxxx | 09/29/2023 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2023-10-06): Fraud Report provided with UDM | 10/06/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D A C | A | A D | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 795680 | xxxxxx | 29103695 | xxxxxx | 10/02/2023 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2023-10-13): UDM provided<br>Reviewer Comment (2023-10-10): Please provide the Credit Report-Gap within 10 Days from note date, Exception remains. | 10/13/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 795680 | xxxxxx | 29103975 | xxxxxx | 10/02/2023 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | The file is missing a copy of the initial Closing Disclosure. |  | Reviewer Comment (2023-10-19): SitusAMC received xxxxxx CD 3 business days prior to consummation.<br>Reviewer Comment (2023-10-16): SitusAMC received e-consent however we required initial CD three days prior to closing date xxxxxx .Kindly provide initial CD three days prior to closing date. | 10/19/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 795680 | xxxxxx | 29123154 | xxxxxx | 10/02/2023 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2023-10-13): Updated 1008 provided with updated comments.<br>Reviewer Comment (2023-10-10): All high risk red flags were not address on 1008. No comments made regarding HOI company xxxxxx for OFAC, Sam.gov and xxxxxx exclusions. | 10/13/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 796424 | xxxxxx | 29120172 | xxxxxx | 10/02/2023 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed |  | Loan is a C/O refinance. The title and deed in file reflect the property is vested in xxxxxx. The AKA in file does not reflect xxxxxx as a name for the borrower. Seasoning requirements are not met if xxxxxx and xxxxxx are not one in the same. |  | Reviewer Comment (2023-10-13): Same name affidavit signed and notarized provided | 10/13/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 796594 | xxxxxx | 29116862 | xxxxxx | 10/03/2023 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 52.74067% exceeds Guideline total debt ratio of 50.00000%. | The DTI exceeds the DTI maximum of 50% due to the lender used a higher income and lower property taxes than verified to qualify the loan. | Borrower has verified disposable income of at least $2500.00.<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. | Reviewer Comment (2023-10-13): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-10-04): The tax rate for the county per the tax cert is higher than 1.25% and must be considered. Tax cert reflects 1.792690% which was utilized in the calculations. |  |  | 10/13/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 796594 | xxxxxx | 29116863 | xxxxxx | 10/03/2023 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 7.88 is less than Guideline PITIA months reserves of 9.00. | Lender exception in file for the same. Investor must approve. | Borrower has verified disposable income of at least $2500.00.<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. | Reviewer Comment (2023-10-11): Client elects to waive with verified compensation factors |  |  | 10/11/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 796594 | xxxxxx | 29116921 | xxxxxx | 10/03/2023 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary xxxxxx) |  |  | Reviewer Comment (2023-10-02): Client elects to waive |  |  | 10/02/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 796594 | xxxxxx | 29116923 | xxxxxx | 10/03/2023 | 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. | The loan does not meet the Loan Designation of Non-QM due to the DTI exceeds the DTI maximum of 50% due to the lender used a higher income and lower property taxes than verified to qualify the loan. |  | Reviewer Comment (2023-10-13): Loan has been designated as Non-QM so this exception is no longer valid | 10/13/2023 |  |  | 1 | B A C | B A | C | A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 796594 | xxxxxx | 29116924 | xxxxxx | 10/03/2023 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The loan does not meet the ATR requirements due to the DTI exceeds the DTI maximum of 50% due to the lender used a higher income and lower property taxes than verified to qualify the loan. |  | Reviewer Comment (2023-10-13): Loan has been designated as Non-QM so this exception is no longer valid | 10/13/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 796594 | xxxxxx | 29116926 | xxxxxx | 10/03/2023 | 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 52.74067% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | The DTI exceeds the DTI maximum of 50% due to the lender used a higher income and lower property taxes than verified to qualify the loan. | Borrower has verified disposable income of at least $2500.00.<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. | Reviewer Comment (2023-10-13): Client elects to waive with verified compensation factors |  |  | 10/13/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 797490 | xxxxxx | 29179222 | xxxxxx | 10/10/2023 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2023-10-20): Received mixed-use appraisal. | 10/20/2023 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 797490 | xxxxxx | 29179239 | xxxxxx | 10/10/2023 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx<br> Disaster End date: xxxxxx |  |  | Reviewer Comment (2023-10-20): A PDI was provided with no visible damage | 10/20/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 797490 | xxxxxx | 29179307 | xxxxxx | 10/10/2023 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  | Borrower must acknowledge the loan is a "business purpose loan" via the Exhibit A. Occupancy Affidavit. | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-10-31): Client elects to waive with verified compensation factors |  |  | 10/31/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 797490 | xxxxxx | 29179308 | xxxxxx | 10/10/2023 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  | Reviewer Comment (2023-10-20): Received appraisal report. Exception cleared. | 10/20/2023 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 797490 | xxxxxx | 29179348 | xxxxxx | 10/10/2023 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 4.97 is less than Guideline PITIA months reserves of 6.00. |  | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-10-26): Client elects to waive with verified compensation factors |  |  | 10/26/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 797490 | xxxxxx | 29192394 | xxxxxx | 10/10/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is a professional investor. All properties owned by Borrower must be listed on REO schedule with all information completed per guidelines. The application in file does not reflect all information for properties owned by Borrower as required. | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-10-26): Client elects to waive with verified compensation factors |  |  | 10/26/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 797490 | xxxxxx | 29208886 | xxxxxx | 10/10/2023 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: BPO not provided |  | Desk Review provided |  | Reviewer Comment (2023-11-06): BPO provided<br>Reviewer Comment (2023-10-23): Client requested hold on order<br>Reviewer Comment (2023-10-23): Order will be placed upon client receipt | 11/06/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 798223 | xxxxxx | 29127487 | xxxxxx | 10/04/2023 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | File is missing receipt of current year franchise tax payment or clear search. |  | Reviewer Comment (2023-10-13): Per client, accepting the xxxxxx website stating franchise tax is only imposed on bank and trust companies.<br>Reviewer Comment (2023-10-11): The investor will need to consider waiving. Legal xxxxxx is not a reliable source. If xxxxxx does not impose Franchise Taxes, then this will need to come the xxxxxx State website. | 10/13/2023 |  |  | 1 | C A | C A | C | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 798223 | xxxxxx | 29134251 | xxxxxx | 10/04/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the updated 1003. Borrower has no ownership in the primary residence. |  | Reviewer Comment (2023-10-17): Updated 1003 provided<br>Reviewer Comment (2023-10-13): The 1003 provided reflects rent. The borrower does not own/rent the property. Lives rent free. No primary housing expense should be selected. | 10/17/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 798223 | xxxxxx | 29134757 | xxxxxx | 10/04/2023 | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | Per the HUD in file, property taxes were not escrowed. The borrower does not meet the minimum FICO requirement for an escrow waiver. |  | Reviewer Comment (2023-10-13): Corrected HUD provided certified by agent with all escrows. | 10/13/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 794274 | xxxxxx | 29161063 | xxxxxx | 10/09/2023 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  | Reviewer Comment (2023-10-12): Received Operating Agreement, Exception cleared. | 10/12/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 794274 | xxxxxx | 29161070 | xxxxxx | 10/09/2023 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  | Reviewer Comment (2023-10-12): Received EIN, Exception cleared. | 10/12/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 794274 | xxxxxx | 29161071 | xxxxxx | 10/09/2023 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  | Reviewer Comment (2023-10-12): Received Certificate of Good standing, Exception cleared. | 10/12/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 794274 | xxxxxx | 29161072 | xxxxxx | 10/09/2023 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  | Reviewer Comment (2023-10-12): Received Articles of Organization/Formation. Exception cleared. | 10/12/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 794274 | xxxxxx | 29161119 | xxxxxx | 10/09/2023 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2023-10-13): Cleared report provided | 10/13/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 794274 | xxxxxx | 29161120 | xxxxxx | 10/09/2023 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  |  |  | Reviewer Comment (2023-10-30): An updated HOI policy with increased dwelling coverage was provided. | 10/30/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 794274 | xxxxxx | 29161237 | xxxxxx | 10/09/2023 | 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. |  |  | Reviewer Comment (2023-10-11): Bank statement provided | 10/11/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 794274 | xxxxxx | 29205546 | xxxxxx | 10/09/2023 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The loan file does not document a 12 month mortgage pay history for the subject's blanket loan that is being paid off at closing as required by guidelines. |  | Reviewer Comment (2023-10-26): Received verification of mortgage for subject property. Exception Cleared. | 10/26/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 794274 | xxxxxx | 29205588 | xxxxxx | 10/09/2023 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Lease in file is not for the subject property and appraisal is marked tenant occupied. |  | Reviewer Comment (2023-10-20): Received Lease Agreement, Exception cleared. | 10/20/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 794274 | xxxxxx | 29205590 | xxxxxx | 10/09/2023 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | The loan file is missing the prepayment rider. |  | Reviewer Comment (2023-10-11): PPP provided | 10/11/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 794274 | xxxxxx | 29205606 | xxxxxx | 10/09/2023 | Credit | Asset | Asset Documentation | Asset | Borrower has insufficient or no assets to close. |  | Missing assets available to use for reserves. |  | Reviewer Comment (2023-10-11): Bank statement provided | 10/11/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 796550 | xxxxxx | 29230134 | xxxxxx | 10/12/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Note+ Riders, DOT + Riders, Title and 1003 do not reflect xxxxxx at the end of the address vs. all other legal documents. Per a lookup of the xxxxxx.com, xxxxxx should be included at the end of the address. Provide the corrected 1003 and corrected and executed Note + Riders and DOT + Riders, LOE to borrower, evidence of delivery to the borrower, and lender's letter of intent to re-record. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2023-10-24): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-10-24): Corrected 1003 was provided. Pending receipt of all corrected curative documents per the original condition.<br>Reviewer Comment (2023-10-17): The corrected Note was not provided. An address affidavit was provided. All curative documents need to be provided. |  |  | 10/24/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 796550 | xxxxxx | 29230148 | xxxxxx | 10/12/2023 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | An LOE from the borrower is not sufficient to verify ownership %. Provide the Operating Agreement. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2023-11-08): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-11-03): The guidelines state 50% ownership minimum required for DSCR loans for the qualifying Guarantor. Additional owners of Entity noted. % ownership not broken down outside of a borrower LOE verification which is not acceptable.<br>Reviewer Comment (2023-11-03): Received Borrowing certificate and LOE is not sufficient to verify ownership %. Provide the Operating Agreement. |  |  | 11/08/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 796550 | xxxxxx | 29230182 | xxxxxx | 10/12/2023 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 65.00000% exceeds Guideline loan to value percentage of 60.00000%. | Loan amount <$150,000 requires a max LTV of 65%. 5% reduction for vacant property on a refinance. Max LTV is 60%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2023-10-24): Client elects to waive with verified compensation factors |  |  | 10/24/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 795704 | xxxxxx | 29210543 | xxxxxx | 10/16/2023 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | The address is missing xxxxxx. |  | Reviewer Comment (2023-10-19): Updated appraisal received. | 10/19/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 796637 | xxxxxx | 29229194 | xxxxxx | 10/18/2023 | 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. |  |  | Reviewer Comment (2023-10-27): Additional assets were provided.<br>Reviewer Comment (2023-10-24): The document provided is dated post-close | 10/27/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 796637 | xxxxxx | 29229195 | xxxxxx | 10/18/2023 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $38,090.92 is less than Cash From Borrower $86,255.18. |  |  | Reviewer Comment (2023-10-27): Additional assets were provided.<br>Reviewer Comment (2023-10-24): The document provided is dated post-close | 10/27/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 796637 | xxxxxx | 29254419 | xxxxxx | 10/18/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The PPP rider to the DOT and the PPP addendum to the Note reflect different terms. If the PPP addendum to the Note is correct, provide the corrected and executed rider to the DOT, LOE to borrower, evidence of delivery to the borrower and lender's letter of intent to re-record. If the PPP rider to the DOT is correct, provide the corrected and executed addendum to the Note, LOE to borrower and evidence of delivery to the borrower. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-10-30): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-10-27): Please advise if the investor is electing to waive this. |  |  | 10/30/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 795461 | xxxxxx | 29236643 | xxxxxx | 10/18/2023 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2023-10-20): Received Approval, Exception cleared. | 10/20/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 795461 | xxxxxx | 29236653 | xxxxxx | 10/18/2023 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  |  |  | Reviewer Comment (2023-10-27): The Final HUD was provided. | 10/27/2023 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 795461 | xxxxxx | 29236691 | xxxxxx | 10/18/2023 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  | Reviewer Comment (2023-10-24): Ops Agreement provided<br>Reviewer Comment (2023-10-24): The Ops Agreement provided is blank as well as not executed. | 10/24/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 795461 | xxxxxx | 29237820 | xxxxxx | 10/18/2023 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The subject property has three associated mortgages to be paid off with the refinance. The loan file is missing a VOM for the lender xxxxxx to reflect terms of payments. | 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.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-10-31): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-10-31): The DOT was provided and payoff is blank. Further, the guidelines require a VOM and 6 months cancelled checks since the mortgage holder is a private party.<br>Reviewer Comment (2023-10-27): VOM for this mortgage was not found |  |  | 10/31/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 795461 | xxxxxx | 29238822 | xxxxxx | 10/18/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The title commitment in file does not reflect the lien from Lender xxxxxx xxxxxx was satisficed. Updated title is required to reflect this lien is cleared. |  | Reviewer Comment (2023-10-27): A Release of Real Estate Mortgage was provided. | 10/27/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 795461 | xxxxxx | 29238839 | xxxxxx | 10/18/2023 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The subject property has three associated mortgages to be paid off with the refinance. The loan file is missing a VOM for the lender xxxxxx xxxxxx and 6 months cancelled checks. |  | Reviewer Comment (2023-10-27): 6 months of payments were found. | 10/27/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 795461 | xxxxxx | 29255563 | xxxxxx | 10/18/2023 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | xxxxxx is at the end of the address for both HOI and Flood insurance polices. | 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.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-11-02): Client elects to waive with verified compensation factors |  |  | 11/02/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 795461 | xxxxxx | 29255565 | xxxxxx | 10/18/2023 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx, Valuation Type: Desk Review / Valuation Report date: xxxxxx | xxxxxx is at the end of the address for both the appraisal and CDA. | 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.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-11-03): Client elects to waive with verified compensation factors |  |  | 11/03/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 798445 | xxxxxx | 29277091 | xxxxxx | 10/24/2023 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2023-10-30): The approval was provided. | 10/30/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 798445 | xxxxxx | 29277200 | xxxxxx | 10/24/2023 | Credit | Guideline | Guideline Issue | Guideline | Aged document: Primary Valuation is older than guidelines permit | Valuation Type: Appraisal / Valuation Report date: xxxxxx |  |  | Reviewer Comment (2023-10-30): A Re-cert of value was provided. | 10/30/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 798445 | xxxxxx | 29278473 | xxxxxx | 10/24/2023 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | The operating agreement in file is not executed. |  | Reviewer Comment (2023-10-30): The signed Operating Agreement was provided. | 10/30/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 798445 | xxxxxx | 29282396 | xxxxxx | 10/24/2023 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I | Note P&I of $5,406.46 does not match Calculated P&I of $5,632.37 |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Reviewer Comment (2023-12-06): Client elects to waive<br>Reviewer Comment (2023-11-28): Received executed gap note and consolidated note updating maturity date and amortization term. Pending receipt of LOE to borrower to clear.<br>Reviewer Comment (2023-11-20): A Corrected GAP Note was provided with the amortization term extended to 480 which matches the P&I terms. However, we need the Consolidated and Restated Promissory Note updated with the maturity date of xxxxxx as reflected on the updated Gap Note. |  |  | 12/06/2023 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 798445 | xxxxxx | 29324040 | xxxxxx | 10/24/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Final title policy to be provided to reflect outstanding UCCs being cleared as they were not listed on the payoff and/or closing statement in file. |  | Reviewer Comment (2023-11-20): The UCCs are part of the Co-OP CEMA | 11/20/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 798445 | xxxxxx | 29324154 | xxxxxx | 10/24/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Judgment in file of xxxxxx that the loan file does not document satisfaction or release. Any Individual Judgments > $10,000 or cumulatively > $50,000 will need to be resolved. |  | Reviewer Comment (2023-10-30): Evidence the judgment was satisfied was provided. | 10/30/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 798445 | xxxxxx | 29324344 | xxxxxx | 10/24/2023 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Coverage must be in an amount equal to or greater than the lesser of the following: • 100% of the insurable value of the improvements, as established by the property insurer; or • the unpaid principal balance of the mortgage, as long as it at least equals the minimum amount—80% of the insurable value of the improvements. |  | Reviewer Comment (2023-10-30): A replacement cost estimator was provided. | 10/30/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 798445 | xxxxxx | 29548621 | xxxxxx | 11/28/2023 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument Error: Security instrument maturity date and note maturity date do not concur. |  | Updated gap note and consolidated note provided post-review updating amortization term and maturity date. Provide the corrected and executed Gap Mortgage and Consolidated Mortgage, LOE to borrower, evidence of delivery to the borrower and lender's letter of intent to re-record. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Reviewer Comment (2023-12-06): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-12-04): The Gap and Consolidated Mortgages were provided; however, the Notary date is the same as the one from closing dated xxxxxx . The corrected Gap and Consolidated Notes have a resigned date of xxxxxx . Please provide the Gap and Consolidated Mortgages reflecting a current Notary date and LOE to the borrower and evidence of delivery. The Letter or intent to re-record was provided. |  |  | 12/06/2023 | 2 | B | B |  | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 796742 | xxxxxx | 29338458 | xxxxxx | 10/31/2023 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | The file does not contain a loan approval. The 1008 in the file does not provide the underwriter's name. |  | Reviewer Comment (2023-11-02): Received Approval document. Exception Cleared.<br>Reviewer Comment (2023-11-01): No new documents received. Please try uploading again. | 11/02/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 797156 | xxxxxx | 29345798 | xxxxxx | 10/31/2023 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | The subject property is not seasoned for 12 months and is a cash out transaction. The lender used the appraised value vs the prior purchase price to calculate the LTV as required by guidelines. |  | Reviewer Comment (2023-11-06): Investor provided a new overlay for this seller. Per overlay, if property is owned > 6 months the appraised value may be used to qualify.<br>Reviewer Comment (2023-11-03): The last variance approval we received for the lender is dated 4.2023. We have not received any other variance letters. This will need to come directly from the investor management to DD management. | 11/06/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 797156 | xxxxxx | 29356725 | xxxxxx | 10/31/2023 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | Page 5 of the Security Instrument is missing. |  | Reviewer Comment (2023-11-02): Received all pages of Security Instrument. Exception cleared. | 11/02/2023 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 797156 | xxxxxx | 29356737 | xxxxxx | 10/31/2023 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Assignment of Leases/Rents not provided |  | Pages 2, 3, 4, and 6 of the Rider is missing. |  | Reviewer Comment (2023-11-02): Received executed copy of Assignment of Leases/Rents. | 11/02/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 797156 | xxxxxx | 29356751 | xxxxxx | 10/31/2023 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | The lease agreements are not executed by the Tenants. |  | Reviewer Comment (2023-11-02): Received Executed copy of lease agreement. Exception cleared. | 11/02/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 791589 | xxxxxx | 29364918 | xxxxxx | 11/07/2023 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | Provide the PPP rider. |  | Reviewer Comment (2023-11-09): Rider provided | 11/09/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 791589 | xxxxxx | 29365532 | xxxxxx | 11/07/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception in file stating that the builder is still in control of the HOA. | 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. | Reviewer Comment (2023-11-03): Client elects to waive with verified compensation factors |  |  | 11/03/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 791589 | xxxxxx | 29365975 | xxxxxx | 11/07/2023 | Credit | Guideline | Guideline Issue | Guideline | Hazard Insurance Coverage Amount is insufficient per guidelines. | Original Loan Amount: xxxxxx; Estimated Cost New: xxxxxx; Lender Documented Insured Value: | The master insurance policy in file reflects that building coverage only covers amenities. The Borrower's policy is an HO-6 policy. The loan file is missing dwelling coverage for the subject property. |  | Reviewer Comment (2023-11-30): Updated policy provided with building coverage<br>Reviewer Comment (2023-11-29): The same document was provided that was previously provided. Please see the original condition comments. The master insurance policy in file reflects that building coverage only covers amenities. The Borrower's policy is an HO-6 policy which does not cover at minimum the loan amount. | 11/30/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 791589 | xxxxxx | 29365979 | xxxxxx | 11/07/2023 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | The final closing disclosure in file does not contain all pages. |  | Reviewer Comment (2023-11-09): All pages provided | 11/09/2023 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 791589 | xxxxxx | 29383443 | xxxxxx | 11/07/2023 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Assignment of Leases/Rents not provided |  | Provide all pages of the Assignment of Leases/Rents Rider. Only page 1 was provided. |  | Reviewer Comment (2023-11-09): Rider provided | 11/09/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 791589 | xxxxxx | 29383456 | xxxxxx | 11/07/2023 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | The BP cert provided reflects the seller as the seller of the property vs. the lender. |  | Reviewer Comment (2023-11-09): Updated BP cert provided | 11/09/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 798400 | xxxxxx | 29369895 | xxxxxx | 11/08/2023 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | Address is xxxxxx. CDA reflects xxxxxx. |  | Reviewer Comment (2023-11-13): Updated CDA provided | 11/13/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 798400 | xxxxxx | 29369899 | xxxxxx | 11/08/2023 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Address is xxxxxx. Policy reflects xxxxxx. |  | Reviewer Comment (2023-11-09): Updated HOI provided | 11/09/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 798400 | xxxxxx | 29393585 | xxxxxx | 11/08/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | xxxxxx requires mandatory vesting in an Entity unless the broker holds an active NMLS license. Please provide the active license. The NMLS license was only provided for the Origination company. |  | Reviewer Comment (2023-11-09): NMLS provided | 11/09/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 798400 | xxxxxx | 29407006 | xxxxxx | 11/09/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The HOI policy provided reflects Residence: Primary Home. | 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. | Reviewer Comment (2023-12-14): Client elects to waive with verified compensation factors<br>Reviewer Comment (2023-12-13): Please see comments on xxxxxx : The policy provided is dated 2 months post close and not acceptable. Further, the address on the post-close policy does not reflect xxxxxx. xxxxxx is listed as a unit number. The updated policy now contains ISAOA.<br>Reviewer Comment (2023-12-11): The policy provided is dated 2 months post close and not acceptable. Further, the address on the post-close policy does not reflect xxxxxx. xxxxxx is listed as a unit number as well as the ISAOA is missing from the mortgagee. |  |  | 12/14/2023 | 2 | B | B |  | B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 798745 | xxxxxx | 29390448 | xxxxxx | 11/09/2023 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 70.00000% exceeds Guideline loan to value percentage of 65.00000%. |  |  | Reviewer Comment (2023-11-10): See investor exception to allow use of higher rents with 2 months rent receipts. DSCR > 1.0 and max LTV is now 70%. | 11/10/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 798745 | xxxxxx | 29390449 | xxxxxx | 11/09/2023 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 655 is less than Guideline representative FICO score of 660. |  |  | Reviewer Comment (2023-11-10): See investor exception to allow use of higher rents with 2 months rent receipts. DSCR > 1.0 and min FICO is 620 | 11/10/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 798745 | xxxxxx | 29399705 | xxxxxx | 11/09/2023 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | Page 7 of the Note was not provided. |  | Reviewer Comment (2023-11-15): Page 7 provided<br>Reviewer Comment (2023-11-14): If page 7 is blank and is to the Note, then regardless, it must be provided<br>Reviewer Comment (2023-11-14): Please refer to the page numbers at the bottom. Says there are 7 pages. | 11/15/2023 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 798745 | xxxxxx | 29399712 | xxxxxx | 11/09/2023 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | Page 20 was not provided. |  | Reviewer Comment (2023-11-15): Received page 20 of security instrument. exception cleared.<br>Reviewer Comment (2023-11-14): If page 20 is blank and is to the DOT, then regardless, it must be provided<br>Reviewer Comment (2023-11-14): Please refer to the page numbers at the bottom. States there are 20 pages. | 11/15/2023 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 798745 | xxxxxx | 29414726 | xxxxxx | 11/10/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception to allow the higher lease amount to be utilized with 2 months rent receipt. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2023-11-10): Client elects to waive with verified compensation factors |  |  | 11/10/2023 | 2 | B | B |  | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 797436 | xxxxxx | 29395043 | xxxxxx | 11/10/2023 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2023-11-14): Received CDA, Exception cleared. | 11/14/2023 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 797436 | xxxxxx | 29407084 | xxxxxx | 11/10/2023 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | The document is not completed. Where loan amount should be just says loan amount, etc. |  | Reviewer Comment (2023-11-14): Received Business Purpose Certificate, Exception cleared. | 11/14/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 798095 | xxxxxx | 29486230 | xxxxxx | 11/28/2023 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2023-12-05): Supplement provided<br>Reviewer Comment (2023-11-29): No new documents received for this condition. Please try uploading again. | 12/05/2023 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 798095 | xxxxxx | 29487310 | xxxxxx | 11/28/2023 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Address does not match the Note. |  | Reviewer Comment (2023-12-04): An updated HOI policy was provided.<br>Reviewer Comment (2023-11-29): All addresses must match across the board on all documents. The Property history report does not clear this condition. | 12/04/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 798095 | xxxxxx | 29487312 | xxxxxx | 11/28/2023 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx, Valuation Type: Desk Review / Valuation Report date: xxxxxx | Appraisal and CDA: Address does not match the Note. |  | Reviewer Comment (2023-12-06): Updated CDA provided<br>Reviewer Comment (2023-12-01): Corrected appraisal and 1004D were provided. The corrected CDA was not found and needs to be updated with the correct address.<br>Reviewer Comment (2023-11-29): All addresses must match across the board on all documents. The Property history report does not clear this condition. | 12/06/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 802603 | xxxxxx | 29689865 | xxxxxx | 12/27/2023 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  |  |  | Reviewer Comment (2024-01-02): Updated flood cert provided | 01/02/2024 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 802603 | xxxxxx | 29689880 | xxxxxx | 12/27/2023 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx, Valuation Type: Desk Review / Valuation Report date: xxxxxx |  |  | Reviewer Comment (2024-01-03): Updated CDA provided<br>Reviewer Comment (2023-12-29): The CDA needs to be corrected as well.<br>Reviewer Comment (2023-12-29): An updated appraisal with the address matching the Note was provided. | 01/03/2024 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 802603 | xxxxxx | 29689929 | xxxxxx | 12/27/2023 | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | Cash out is not allowed on first Time Investors. Borrower has not owned the subject property for 12 months and there is no other investment property ownership noted in the file for 12+months. Investor exception in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2023-12-21): The client elects to waive. |  |  | 12/21/2023 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 802603 | xxxxxx | 29690251 | xxxxxx | 12/27/2023 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | The subject property was owned less than 12 months from the application date. The lender used the appraised value vs the lower purchase price as required by guidelines. |  | Reviewer Comment (2023-12-29): Evidence the borrower has owned the property since xxxxxx was provided. | 12/29/2023 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 803090 | xxxxxx | 29760496 | xxxxxx | 01/09/2024 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  |  |  | Reviewer Comment (2024-01-14): Final SS provided | 01/14/2024 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A C |  | N/A | No | Property Focused |
| xxxxxx | 803090 | xxxxxx | 29760498 | xxxxxx | 01/09/2024 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Appraisal reflects Tenant Occupied. |  | Reviewer Comment (2024-01-17): Additional lease agreement provided<br>Reviewer Comment (2024-01-16): Leases provided for xxxxxx of the xxxxxx units for the subject property. Provided for xxxxxx. Addresses verified via HOI. Pending receipt of lease for xxxxxx. | 01/17/2024 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A C |  | N/A | No | Property Focused |
| xxxxxx | 803090 | xxxxxx | 29760507 | xxxxxx | 01/09/2024 | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | First Time Investors are not allowed on C/O refinance transactions or mixed use properties. Subject property was deeded to LLC on xxxxxx . Only other property the Guarantor owns is the primary residence. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>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.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2024-01-18): Client elects to waive with verified compensation factors<br>Reviewer Comment (2024-01-16): 2 leases were provided, however neither lease verifies the borrower is the landlord. If the leases were transferred with the sale of the property back in xxxxxx, evidence of this will need to be provided along with rent receipts for each unit to verify tenant occupied.<br>Reviewer Comment (2024-01-14): There is no evidence in file that the borrower's primary residence is a xxxxxx unit and if it is is xxxxxx units, that the other units occupied by tenants (not relatives or not the borrower). |  |  | 01/18/2024 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A C |  | N/A | No | Property Focused |
| xxxxxx | 803090 | xxxxxx | 29760556 | xxxxxx | 01/09/2024 | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal |  |  |  | Reviewer Comment (2024-01-29): Updated CDA provided<br>Reviewer Comment (2024-01-27): No new documents received. Please try uploading again. | 01/29/2024 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A C |  | N/A | No | Property Focused |
| xxxxxx | 803090 | xxxxxx | 29763743 | xxxxxx | 01/09/2024 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of xxxxxx is less than Guideline minimum loan amount of $400,000.00. | Minimum $400,000 for mixed use properties. Per lender comments, county assessor recognizes unit xxxxxx. |  | Reviewer Comment (2024-01-17): Per client, accepting appraiser's comments that county records are incorrect for Unit xxxxxx and it is not xxxxxx but a xxxxxx. Minimum loan amount updated to $150,000.<br>Reviewer Comment (2024-01-16): Email back to investor: xxxxxx. Please verify that xxxxxx is accepting the appraiser comments that they county records appear to be incorrect and considering the property a xxxxxx vs. xxxxxx and we can update the file accordingly.<br>Reviewer Comment (2024-01-16): Pictures do not always show if the property is being utilized as a mixed-use property. Per previous comments, Additional comments will need to be made by the appraiser. xxxxxx. The appraiser will need to make comments that Unit xxxxxx is being used only as a xxxxxx or we will need something from the county indicating this building is not mixed-use.<br>Reviewer Comment (2024-01-14): Additional comments will need to be made by the appraiser. xxxxxx and the property is attached to a xxxxxx. The appraiser will need to make comments that Unit xxxxxx is being used only as a xxxxxx or we will need something from the county indicating this building is not mixed use. | 01/17/2024 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A C |  | N/A | No | Property Focused |
| xxxxxx | 803090 | xxxxxx | 29763744 | xxxxxx | 01/09/2024 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of is less than Guideline PITIA months reserves of 2.00. | C/O cannot be utilized for reserves on mixed use properties. Per lender comments, county assessor recognizes unit xxxxxx. |  | Reviewer Comment (2024-01-17): Per client, accepting appraiser's comments that county records are incorrect for Unit xxxxxx and it is not xxxxxx but a xxxxxx. C/O can be utilized for reserves.<br>Reviewer Comment (2024-01-16): Email back to investor: xxxxxx. Please verify that xxxxxx is accepting the appraiser comments that they county records appear to be incorrect and considering the property a xxxxxx vs. xxxxxx and we can update the file accordingly.<br>Reviewer Comment (2024-01-16): Pictures do not always show if the property is being utilized as a mixed-use property. Per previous comments, Additional comments will need to be made by the appraiser. xxxxxx. The appraiser will need to make comments that Unit xxxxxx is being used only as a xxxxxx or we will need something from the county indicating this building is not mixed-use.<br>Reviewer Comment (2024-01-14): Additional comments will need to be made by the appraiser. xxxxxx and the property is attached to a xxxxxx. The appraiser will need to make comments that Unit xxxxxx is being used only as a xxxxxx or we will need something from the county indicating this building is not mixed use. | 01/17/2024 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A C |  | N/A | No | Property Focused |
| xxxxxx | 803090 | xxxxxx | 29763797 | xxxxxx | 01/09/2024 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Incorrect Appraisal Form type: Appraisal Form 1025/72 used for incorrect Subject property type. | Valuation Type: Appraisal / Valuation Report date: xxxxxx Mixed Use |  | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>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. | Reviewer Comment (2024-01-17): Per client, accepting appraiser's comments that county records are incorrect for Unit xxxxxx and it is not xxxxxx but a xxxxxx. Correct form utilized 1025. | 01/17/2024 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A C |  | N/A | No | Property Focused |
| xxxxxx | 804023 | xxxxxx | 29771535 | xxxxxx | 01/10/2024 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2024-01-16): Cleared report provided | 01/16/2024 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 804023 | xxxxxx | 29771536 | xxxxxx | 01/10/2024 | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. | Borrower: xxxxxx | Per guidelines, required on Entity loans in community property states. |  | Reviewer Comment (2024-01-25): Spousal consent provided<br>Reviewer Comment (2024-01-25): The spousal consent uploaded to the system is blank. It does not contain any signatures.<br>Reviewer Comment (2024-01-22): The spousal consent is not signed by the spouse nor signed by the notary or stamped by the notary.<br>Reviewer Comment (2024-01-17): The loan closed in an Entity. It is not relevant that the spouse was removed from title. The investor guidelines require spousal consent in community property states when a loan closed in an Entity. | 01/25/2024 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 803929 | xxxxxx | 29800299 | xxxxxx | 01/16/2024 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | PPP to the Note was provided after initial review. The DOT does not reflect a PPP Rider, however per guidelines, a PPP rider to the DOT is required. Provide the executed and signed PPP rider to the DOT, updated page 2 of the DOT to include the PPP rider, LOE to borrower, evidence of delivery to the borrower and lender's letter of intent to re-record. | 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. | Reviewer Comment (2024-01-16): Client elects to waive with verified compensation factors |  |  | 01/16/2024 | 2 | B | B |  | B | xxxxxx | xxxxxx | Investment | Purchase | A B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 803107 | xxxxxx | 29948354 | xxxxxx | 02/12/2024 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | The guidelines require the purchase price to be used to qualify the loan when the property has not been owned for at least 12 months on a cash-out refinance transaction but greater than 6 months. The borrower has owned the subject less than 12 months; however, the lender used the current appraised value to qualify the loan. Investor exception in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2024-02-07): Client elects to waive with verified compensation factors |  |  | 02/07/2024 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 803107 | xxxxxx | 29948437 | xxxxxx | 02/12/2024 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 626 is less than Guideline representative FICO score of 680. | The borrower has owned the subject property less than 1 year and has no other investment properties; therefore, borrower is considered a First Time Investor which requires a minimum score of 680. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2024-02-12): Client elects to waive with verified compensation factors |  |  | 02/12/2024 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 803107 | xxxxxx | 29950412 | xxxxxx | 02/12/2024 | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | The borrower has owned the subject property less than 1 year and has no other investment properties; therefore, borrower is considered a First Time Investor. First Time Investors are not allowed on C/O transactions. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2024-02-12): Client elects to waive with verified compensation factors |  |  | 02/12/2024 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 803107 | xxxxxx | 29978286 | xxxxxx | 02/13/2024 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The PPP on the Note Addendum and DOT Rider do not match the PPP terms as allowed per guidelines. The guidelines require 6 months interest on 20% of the OPB. The addendum and rider in file reflect 5% of the OPB. |  | Reviewer Comment (2024-03-08): Email delivery provided<br>Reviewer Comment (2024-03-07): Received executed and corrected rider, addendum to the Note, LOE to borrower and LOI. Pending receipt of delivery to the borrower.<br>Reviewer Comment (2024-02-16): Unexecuted documents are not acceptable. Provide the executed PPP addendum to the Note and PPP rider to the DOT, LOE to borrower, evidence of delivery to the borrower, and lender's letter of intent to re-record. | 03/08/2024 |  |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 807381 | xxxxxx | 30190518 | xxxxxx | 03/21/2024 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  | Reviewer Comment (2024-03-26): Certificate of formation provided<br>Reviewer Comment (2024-03-22): This condition does not pertain to insufficient HOI. The LLC's Articles of Org/Formation were not provided. | 03/26/2024 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 807381 | xxxxxx | 30190520 | xxxxxx | 03/21/2024 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  | Reviewer Comment (2024-03-26): COGS provided | 03/26/2024 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 807381 | xxxxxx | 30190521 | xxxxxx | 03/21/2024 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  | Reviewer Comment (2024-04-17): Received Corporate Resolution. Exception cleared. | 04/17/2024 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 807381 | xxxxxx | 30190523 | xxxxxx | 03/21/2024 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  | Reviewer Comment (2024-04-23): Ops Agreement provided<br>Reviewer Comment (2024-04-19): Received executed Operating Agreement however the effective date is missing on Operating Agreement. Exception Remains | 04/23/2024 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 807381 | xxxxxx | 30190582 | xxxxxx | 03/21/2024 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Must cover at minimum the loan amount. Provide the RCE. RCE in file does not reflect an address or third party source. |  | Reviewer Comment (2024-03-22): Updated HOI provided | 03/22/2024 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 807381 | xxxxxx | 30197758 | xxxxxx | 03/21/2024 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report and OFAC were not performed on the Settlement Agent. |  | Reviewer Comment (2024-03-26): Updated Fraud report provided | 03/26/2024 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 808973 | xxxxxx | 30204804 | xxxxxx | 03/13/2024 | Compliance | Compliance | Federal Compliance | GSE | xxxxxx Points and Fees | xxxxxx Points and Fees on subject loan of 5.60432% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and xxxxxx (2024). xxxxxx Finance Charge total xxxxxx on a Original Loan Amount of xxxxxx vs. an allowable total of xxxxxx and xxxxxx (2024) (an overage of xxxxxx or .60432%). | Loan fails Mortgage Points and fees test due to the fees charged to the Borrower(s) exceed 5% the loan amount. The Note reflects a loan amount of xxxxxx Fees charged to the Borrower(s) equal xxxxxx which equal 5.60432% of the loan amount. |  | Reviewer Comment (2024-03-13): Client elects to waive, loan is NON QM. |  |  | 03/13/2024 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 809156 | xxxxxx | 30257983 | xxxxxx | 03/11/2024 | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.09638% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .09638%). | Missing undiscounted rate and undiscounted pricing. |  | Reviewer Comment (2024-03-11): Client elects to waive, loan is a NON QM. |  |  | 03/11/2024 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 809156 | xxxxxx | 30257985 | xxxxxx | 03/11/2024 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List of Homeownership Counseling Organizations missing from file. |  | Reviewer Comment (2024-03-14): Disclosure provided | 03/14/2024 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 809156 | xxxxxx | 30257987 | xxxxxx | 03/11/2024 | 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 $650.00 exceeds tolerance of $625.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  | Reviewer Comment (2024-03-08): Sufficient Cure Provided At Closing |  | 03/08/2024 |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 808976 | xxxxxx | 30258027 | xxxxxx | 03/19/2024 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx | Fraud report is missing for guarantor xxxxxx. The 1008 reflects 1 guarantor and there is a guarantor agreement in the file for this person. |  | Reviewer Comment (2024-03-21): The person is not a guarantor<br>Reviewer Comment (2024-03-21): The provided fraud report is not for another guarantor. Exception Remains. | 03/21/2024 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 808976 | xxxxxx | 30258028 | xxxxxx | 03/19/2024 | Credit | Credit | Credit Documentation | Credit | Background check is missing. | Credit Report: Original // Borrower: xxxxxx | Background Check is missing for guarantor xxxxxx. The 1008 reflects 1 guarantor and there is a guarantor agreement in the file for this person. |  | Reviewer Comment (2024-03-21): The person is not a guarantor<br>Reviewer Comment (2024-03-21): The provided fraud report is not for another guarantor. Exception Remains. | 03/21/2024 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 808976 | xxxxxx | 30258029 | xxxxxx | 03/19/2024 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | Credit Report: Original // Borrower: xxxxxx | OFAC is missing for guarantor xxxxxx. The 1008 reflects 1 guarantor and there is a guarantor agreement in the file for this person. |  | Reviewer Comment (2024-03-21): The person is not a guarantor | 03/21/2024 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 808976 | xxxxxx | 30258032 | xxxxxx | 03/19/2024 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Final 1003 application is missing for guarantor xxxxxx. The 1008 reflects 1 guarantor and there is a guarantor agreement in the file for this person. |  | Reviewer Comment (2024-03-21): The person is not a guarantor<br>Reviewer Comment (2024-03-21): The Final 1003 application is not provided for another guarantor. Exception Remains. | 03/21/2024 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 808976 | xxxxxx | 30258033 | xxxxxx | 03/19/2024 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Credit report is missing for guarantor xxxxxx. The 1008 reflects 1 guarantor and there is a guarantor agreement in the file for this person. |  | Reviewer Comment (2024-03-21): The person is not a guarantor<br>Reviewer Comment (2024-03-21): Credit Report is not provided for another guarantor. Exception Remains. | 03/21/2024 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 808976 | xxxxxx | 30258034 | xxxxxx | 03/19/2024 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Instructions not provided |  | Closing Instructions is missing in file. |  | Reviewer Comment (2024-03-21): Received Closing Instruction document. Exception Cleared. | 03/21/2024 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 808547 | xxxxxx | 30284646 | xxxxxx | 04/05/2024 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $288,496.50 is less than Cash From Borrower $311,268.45. | The xxxxxx account xxxxxx, is an international account. Further, there is no evidence the cash is in xxxxxx currency. Funds not transferred to a xxxxxx and only in an overseas account can only be utilized for reserves. |  | Reviewer Comment (2024-04-17): Per client email, they are considering account xxxxxx as xxxxxx based and not overseas. Added to both closing/reserve usage.<br>Reviewer Comment (2024-04-12): An account can be based overseas with stock purchases in the xxxxxx. The account states it is an xxxxxx International account. xxxxxx International is their division for clients outside of the xxxxxx and allows clients to trade foreign securities online in real time directly in twelve top countries. And, transactions are made in the local currency. | 04/17/2024 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 808547 | xxxxxx | 30289172 | xxxxxx | 04/05/2024 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report searches not run on Property Sellers, Brokers, Loan Officers, Appraisers, Real Estate Agents, and Settlement Agents. |  | Reviewer Comment (2024-04-22): Received<br>Reviewer Comment (2024-04-10): Updated Fraud report does not contain the run on the settlement agent, xxxxxx. | 04/22/2024 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 809030 | xxxxxx | 30277286 | xxxxxx | 03/19/2024 | Compliance | Compliance | Federal Compliance | GSE | xxxxxx Points and Fees | xxxxxx Points and Fees on subject loan of 11.27367% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and xxxxxx (2024). xxxxxx Finance Charge total xxxxxx on a Original Loan Amount of xxxxxx vs. an allowable total of xxxxxx and xxxxxx (2024) (an overage of xxxxxx or 6.27367%). |  |  | Reviewer Comment (2024-03-19): Client elects to waive, loan is a NON QM. |  |  | 03/19/2024 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 809030 | xxxxxx | 30277287 | xxxxxx | 03/19/2024 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing Articles of Incorporation / Organization for Borrowing Entity. |  | Reviewer Comment (2024-03-27): Received Articles of Organization and associated the same. Exception cleared.<br>Reviewer Comment (2024-03-21): Missing Articles of Incorporation / Organization for xxxxxx, LLC Exception remains | 03/27/2024 |  |  | 1 | C A | C A | C | A D | xxxxxx | xxxxxx | Investment | Purchase | D B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 809235 | xxxxxx | 30283832 | xxxxxx | 03/25/2024 | Credit | Credit | Credit Documentation | Credit | There is no lease in place for the subject property. |  | The borrower should provide the cause of vacancy (Letter of Explanation) for refinance transactions, such as recently completed renovation, tenant turnover, etc. |  | Reviewer Comment (2024-03-29): As per appraisal report property is vacant and recently built in xxxxxx. Lease agreement not required. Exception Cleared. | 03/29/2024 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 809235 | xxxxxx | 30283833 | xxxxxx | 03/25/2024 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | The borrower should provide the cause of vacancy (Letter of Explanation) for refinance transactions, such as recently completed renovation, tenant turnover, etc. |  | Reviewer Comment (2024-03-27): The property is vacant as per Appraisal Report, hence no lease agreement is required. Exception cleared. | 03/27/2024 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 809235 | xxxxxx | 30283834 | xxxxxx | 03/25/2024 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient. Require verification of policy with sufficient coverage OR copy of insurer's replacement cost estimate supporting current coverage amount. |  | Reviewer Comment (2024-03-28): Received replacement cost estimator in the file. Exception Cleared. | 03/28/2024 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 809235 | xxxxxx | 30283836 | xxxxxx | 03/25/2024 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Corporate Resolution is missing in file. |  | Reviewer Comment (2024-03-28): Received operating agreement in which reflecting borrower ownership percentage. Exception Cleared. | 03/28/2024 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 809235 | xxxxxx | 30283837 | xxxxxx | 03/25/2024 | 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 0.51 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 0.75. | No lease provided DSCR from appraisal rent schedule. |  | Reviewer Comment (2024-03-29): Allowed as per the lender guidelines<br>Reviewer Comment (2024-03-29): xxxxxx guides were not provided for initial review. Condition remains. | 03/29/2024 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 809235 | xxxxxx | 30283838 | xxxxxx | 03/25/2024 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | OFAC for the Business entity was not provided in the loan file |  | Reviewer Comment (2024-03-28): Received OFAC document for business entity. Exception Cleared. | 03/28/2024 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 809028 | xxxxxx | 30286524 | xxxxxx | 03/19/2024 | Compliance | Compliance | Federal Compliance | GSE | xxxxxx Points and Fees | xxxxxx Points and Fees on subject loan of 9.27367% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and xxxxxx (2024). xxxxxx Finance Charge total xxxxxx on a Original Loan Amount of xxxxxx vs. an allowable total of xxxxxx and xxxxxx (2024) (an overage of xxxxxx or 4.27367%). | xxxxxx Points and Fees on subject loan of 5.27367% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and xxxxxx (2024). |  | Reviewer Comment (2024-03-19): Client elects to waive, loan is NON QM. |  |  | 03/19/2024 | 2 | B | B | B | B | xxxxxx | xxxxxx | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D B A | B | B A | N/A | N/A | Yes | Mortgagor Focused |
| xxxxxx | 809028 | xxxxxx | 30286525 | xxxxxx | 03/19/2024 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx | Missing Fraud Report for Guarantor. |  | Reviewer Comment (2024-03-28): Exception Cleared - Fraud Report received and associated in clarity. | 03/28/2024 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 809028 | xxxxxx | 30286528 | xxxxxx | 03/19/2024 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing Articles of Organization and Certificate of Good Standing for Borrowing Entity. |  | Reviewer Comment (2024-03-29): Exception Cleared - Certificate of Good Standing received and associated in clarity.<br>Reviewer Comment (2024-03-28): Exception Remains - Certificate of Good Standing for Borrowing Entity is still missing. | 03/29/2024 |  |  | 1 | C A | C A | C | A D | xxxxxx | xxxxxx | Investment | Purchase | D B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 809106 | xxxxxx | 30337228 | xxxxxx | 04/08/2024 | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.88585% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or .88585%). | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.88585% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx |  | Reviewer Comment (2024-04-05): Client elects to waive, NON QM loan. |  |  | 04/05/2024 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Debt Consolidation | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | B | B A | Exempt from ATR | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 809106 | xxxxxx | 30337230 | xxxxxx | 04/08/2024 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing Third Party Verification and 2022 Tax Return. |  | Reviewer Comment (2024-04-11): Tax return not required for xxxxxx P&L loan and Third-party verification is within 30 days of Note date. Exception Cleared. | 04/11/2024 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Debt Consolidation | C B A | B | B A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 809039 | xxxxxx | 30400096 | xxxxxx | 04/10/2024 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. |  | Reviewer Comment (2024-04-12): SitusAMC received E-consent. | 04/12/2024 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Debt Consolidation | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 809039 | xxxxxx | 30400097 | xxxxxx | 04/10/2024 | Compliance | Compliance | Federal Compliance | GSE | xxxxxx 2014 - 3% Points and Fees | xxxxxx 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.14477% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an investor allowable total of xxxxxx (an overage of xxxxxx or 1.14477%). |  |  | Reviewer Comment (2024-04-10): Client waived, Non-Qm loan |  |  | 04/10/2024 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Debt Consolidation | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 809039 | xxxxxx | 30400099 | xxxxxx | 04/10/2024 | 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 $1,925.70 exceeds tolerance of $1,788.00. Insufficient or no cure was provided to the borrower. (8304) | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,925.70 exceeds tolerance of $1,788.00. Insufficient or no cure was provided to the borrower. |  | Reviewer Comment (2024-04-12): SitusAMC received a valid COC. | 04/12/2024 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Debt Consolidation | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 809039 | xxxxxx | 30400100 | xxxxxx | 04/12/2024 | 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 $1,925.70 exceeds tolerance of $1,925.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) |  |  | Reviewer Comment (2024-04-12): Sufficient Cure Provided At Closing |  | 04/12/2024 |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Debt Consolidation | Final CD evidences Cure B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 807552 | xxxxxx | 30517420 | xxxxxx | 05/14/2024 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xxxxxx contains a change in APR and loan product and was not received by borrower at least three (3) business days prior to consummation. |  |  | Reviewer Comment (2024-05-17): SitusAMC received LOA to remove document(s) xxxxxx estimated to be provided on xxxxxx , from testing as not provided to the borrower.<br>Reviewer Comment (2024-05-16): Documents ID xxxxxx is incomplete. If the CDs are not provided to the borrower, please provide Letter of Attestation indicating the document xxxxxx were never provided to the borrower and SitusAMC will review for re-testing. | 05/17/2024 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | TRID timing exception, no remediation available. C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 807552 | xxxxxx | 30517431 | xxxxxx | 05/14/2024 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on xxxxxx did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. (Initial xxxxxx) | Incomplete CD in file. |  | Reviewer Comment (2024-05-17): SitusAMC received LOA to remove document(s) xxxxxx estimated to be provided on xxxxxx , from testing as not provided to the borrower. | 05/17/2024 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Good Faith Redisclosure C B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 807552 | xxxxxx | 30517496 | xxxxxx | 05/14/2024 | 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 Fee. Fee Amount of $795.00 exceeds tolerance of $750.00. Insufficient or no cure was provided to the borrower. (7506) | The Appraisal Fee increased from $750.00 on the initial Loan Estimate to $795.00 on the initial Closing Disclosure without a valid change of circumstance. |  | Reviewer Comment (2024-05-23): Client elects to waive. SOL 1 year expires xxxxxx<br>Reviewer Comment (2024-05-18): SitusAMC upon review the file contains LE dated xxxxxx from xxxxxx. Please provide additional information on why LE was provided in file if it was not related to this loan and/or provide an adverse action notice that would link the prior LE to a loan that was cancelled/denied by xxxxxx in order to be comfortable with removing the LE from testing. |  |  | 05/23/2024 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 807552 | xxxxxx | 30517497 | xxxxxx | 05/14/2024 | 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 $99.00 exceeds tolerance of $50.00. Insufficient or no cure was provided to the borrower. (7520) | The Credit Report Fee increased from $50.00 on the initial Loan Estimate to $99.00 on the initial Closing Disclosure without a valid change of circumstance. |  | Reviewer Comment (2024-05-23): Client elects to waive. SOL 1 year expires xxxxxx<br>Reviewer Comment (2024-05-18): SitusAMC upon review the file contains LE dated xxxxxx from xxxxxx. Please provide additional information on why LE was provided in file if it was not related to this loan and/or provide an adverse action notice that would link the prior LE to a loan that was cancelled/denied by xxxxxx in order to be comfortable with removing the LE from testing.<br>Reviewer Comment (2024-05-17): SitusAMC require valid COC document for increase of fee on LE dated xxxxxx or cure is required. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. |  |  | 05/23/2024 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 807552 | xxxxxx | 30517501 | xxxxxx | 05/14/2024 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $9,299.19 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (73109) | The Mortgage broker Fee increased from $0.00 on the initial Loan Estimate to $9299.19 on the initial Closing Disclosure without a valid change of circumstance. |  | Reviewer Comment (2024-05-17): SitusAMC received valid COC document | 05/17/2024 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 807552 | xxxxxx | 30517502 | xxxxxx | 05/14/2024 | 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 Commitment Fee. Fee Amount of $1,599.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7368) | The Commitment Fee increased from $0.00 on the initial Loan Estimate to $1599.00 on the initial Closing Disclosure without a valid change of circumstance. |  | Reviewer Comment (2024-05-23): Client elects to waive. SOL 1 year expires xxxxxx<br>Reviewer Comment (2024-05-18): SitusAMC upon review the file contains LE dated xxxxxx from xxxxxx. Please provide additional information on why LE was provided in file if it was not related to this loan and/or provide an adverse action notice that would link the prior LE to a loan that was cancelled/denied by xxxxxx in order to be comfortable with removing the LE from testing. |  |  | 05/23/2024 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 807552 | xxxxxx | 30529988 | xxxxxx | 05/14/2024 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Form 1007 or 1025, with Market Rents | Rental income from a departure residence can be used to qualify. Documents required: xxxxxx Form 1007 or online rent estimate (xxxxxx Rent Zestimate or equivalent). |  | Reviewer Comment (2024-05-22): Received Rent Zestimate document. Exception Cleared. | 05/22/2024 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 807552 | xxxxxx | 30585686 | xxxxxx | 05/20/2024 | 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 $18,125.99 exceeds tolerance of $15,379.00. Insufficient or no cure was provided to the borrower. (7200) | Provide valid changed circusmtance. |  | Reviewer Comment (2024-05-23): Client elects to waive. SOL 1 year expires xxxxxx |  |  | 05/23/2024 | 2 | B | B |  | B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 832946 | xxxxxx | 33403334 | xxxxxx | 05/08/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 74.83114% exceeds Guideline combined loan to value percentage of 70.00000%. | Max CLTV is 70% for a second home C/O on xxxxxx loan. Investor exception in file. However, comp factors are incorrect. Credit score is not 30+ points above the minimum. Minimum 700 for second home xxxxxx for 70% CLTV. Investor to update form. | 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>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-05-14): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-13): Assigned to investor to update form.<br>Reviewer Comment (2025-05-13): Please review the original condition. This is for the investor to update their form with correct comp factors and assigned as such. Please do not queue the exception as it assigns it back to the DD and reach out to the investor directly. |  |  | 05/14/2025 | 2 | C B | C B | N/A | N/A C B | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 832946 | xxxxxx | 33408315 | xxxxxx | 05/08/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence that the supplemental delinquent assessments that were due and payable on xxxxxx were paid in full. |  | Reviewer Comment (2025-05-15): LOE from title reflecting all taxes paid and tax cert provided reflecting paid on xxxxxx  | 05/15/2025 |  |  | 1 | C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 832946 | xxxxxx | 33408332 | xxxxxx | 05/08/2025 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - High Cost and Higher Priced 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). If tested as primary residence, loan exceeds one or more high cost and one or more HPML thresholds. Additional compliance testing required to determine if loan would be a compliant or non-compliant HPML. | Initial 1003, dec page, reflects intent to occupy. Provide the lender attestation on error. |  | Reviewer Comment (2025-05-13): Corrected 1003 and attestation provided<br>Reviewer Comment (2025-05-12): The attestation is not acceptable as the initial 1003, dec page, question 5A was not marked correctly as No but marked as Yes. This was indicated in the original condition as well. Provide the updated attestation regarding the error for the initial 1003. | 05/13/2025 |  |  | 1 | C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835592 | xxxxxx | 33407536 | xxxxxx | 05/09/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification |  |  | Reviewer Comment (2025-05-13): Received HOI policy. Exception cleared. | 05/13/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835592 | xxxxxx | 33407709 | xxxxxx | 05/09/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2025-05-05): Client elects to waive |  |  | 05/05/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837258 | xxxxxx | 33411671 | xxxxxx | 05/09/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-05-12): Received Title Supplement. Exception cleared. | 05/12/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Purchase | B A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837233 | xxxxxx | 33426154 | xxxxxx | 05/13/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | rate lock document missing. |  | Reviewer Comment (2025-05-09): Client elects to waive |  |  | 05/09/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837233 | xxxxxx | 33436363 | xxxxxx | 05/13/2025 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Payoff Statement(s) not provided |  | Provide the payoff for xxxxxx as a lesser amount was paid than reflected on the most recent gap report. | 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>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-29): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-28): Lender would like to waive. Assigned to investor.<br>Reviewer Comment (2025-05-28): The exception was already assigned to the investor. Re-queuing this exception moved it back to the DD. If you are trying to follow up on the exception waiver, please reach out to the investor directly. Re-assigning to investor.<br>Reviewer Comment (2025-05-20): Assigned to investor. Lender would like to waive.<br>Reviewer Comment (2025-05-16): The credit gap report is dated xxxxxx with last payment date of xxxxxx xxxxxx, whereas the payment was been made on xxxxxx . Since Gap report reflects the latest balance of $1,436. Therefore provide payoff for xxxxxx. Exception remains. |  |  | 05/29/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836736 | xxxxxx | 33435231 | xxxxxx | 05/14/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Preliminary in file. |  |  | Reviewer Comment (2025-05-15): Supplement provided | 05/15/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Purchase | B A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837142 | xxxxxx | 33441660 | xxxxxx | 05/15/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2025-06-04): FTP provided | 06/04/2025 |  |  | 1 | A | A | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837142 | xxxxxx | 33441662 | xxxxxx | 05/15/2025 | 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 3.00. |  |  | Reviewer Comment (2025-06-17): Final SS provided from REO refinance | 06/17/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837142 | xxxxxx | 33443092 | xxxxxx | 05/15/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title. Blanket lien on title. |  | Reviewer Comment (2025-06-06): LOE from title provided and endorsements for PUD and xxxxxx were not attached to the FTP.<br>Reviewer Comment (2025-06-04): The clear FTP was provided, however on page 9 of 19, item 28, it states the policy has both xxxxxx and PUD endorsements, however the property is neither.<br>Reviewer Comment (2025-05-27): The title provided is not a final but commitment dated xxxxxx and still reflects the blanket lien. Loan closed xxxxxx. | 06/06/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837142 | xxxxxx | 33443252 | xxxxxx | 05/15/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Beneficial Ownership Cert must be fully executed. |  | Reviewer Comment (2025-06-18): Beneficial owner cert received.<br>Reviewer Comment (2025-06-17): The attached does not clear this condition. The guidelines do not state this is not needed for owners that are 100%. Provide the fully executed document. | 06/18/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837142 | xxxxxx | 33443307 | xxxxxx | 05/15/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | COGS for the Borrowing Entity missing from xxxxxx, which is where the entity was formed. | The qualifying DSCR on the loan is greater than the guideline minimum.<br>Experienced investor owns and manages 1 or more properties for 12 months | Reviewer Comment (2025-06-03): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-28): Received same document that was already provided at the time of review. Please provide Certificate of Good Standing from the state of xxxxxx for the Borrowing Entity. Exception remains. |  |  | 06/03/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837142 | xxxxxx | 33447731 | xxxxxx | 05/15/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | VOMs are required on the subject property for any mortgages including private mortgages. Verifications dated within 30 days of application do not require to be updated unless more than 60 days at time of Note date. Pay history provided. Provide the VOM. |  | Reviewer Comment (2025-06-18): Received VOM for the subject property. Exception cleared.<br>Reviewer Comment (2025-06-03): Received Pay history and Mortgage Loan Payoff Statement which was already in file. Provide the VOM. Exception remains. | 06/18/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837142 | xxxxxx | 33447757 | xxxxxx | 05/15/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | All 4 policies reflect xxxxxx vs. xxxxxx. | The qualifying DSCR on the loan is greater than the guideline minimum.<br>Experienced investor owns and manages 1 or more properties for 12 months<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2025-06-24): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-20): The document provided is not acceptable. All addresses must match.<br>Reviewer Comment (2025-06-04): The address still is not correct. The xxxxxx is listed as a unit number vs. xxxxxx.<br>Reviewer Comment (2025-06-02): The LOE does not clear this condition. All addresses must match. |  |  | 06/24/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 836971 | xxxxxx | 33443494 | xxxxxx | 05/16/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  | Note for First Lien is missing from the loan file. The Note included in the file is for previous Lien from xxxxxx amount xxxxxx which was closed as of xxxxxx & a new Lien from xxxxxx xxxxxx was opened on xxxxxx . |  | Reviewer Comment (2025-05-28): Received Note for 1st lien. Exception cleared. | 05/28/2025 |  |  | 1 | D A | D A | N/A | N/A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836971 | xxxxxx | 33443873 | xxxxxx | 05/16/2025 | 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 Credit Report Fee. Fee Amount of $318.80 exceeds tolerance of $265.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) | Lender Cure of $53.80 reflecting on Final CD. |  | Reviewer Comment (2025-05-12): Sufficient Cure Provided At Closing |  | 05/12/2025 |  | 1 | A | A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 836971 | xxxxxx | 33443893 | xxxxxx | 05/16/2025 | 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 xxxxxx incorrectly disclosed whether the loan will have an escrow account. (Final xxxxxx) | Page 4 of the final CD does not reflect a reason an escrow account was not established. |  | Reviewer Comment (2025-06-03): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-06-02): SitusAMC received corrected PCCD, however we also require LOE which accompanied the PCCD to finalize. |  | 06/03/2025 |  | 2 | C B | C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 836971 | xxxxxx | 33455051 | xxxxxx | 05/16/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the color property condition report as required by guidelines. Report in file is black and white. |  | Reviewer Comment (2025-05-22): Color copies provided | 05/22/2025 |  |  | 1 | C A | C A | N/A | N/A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836971 | xxxxxx | 33455056 | xxxxxx | 05/16/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence the xxxxxx taxes are paid. Delinquent after xxxxxx and not paid through closing. |  | Reviewer Comment (2025-05-22): Tax cert provided with taxes paid | 05/22/2025 |  |  | 1 | C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837438 | xxxxxx | 33455746 | xxxxxx | 05/19/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - Condo not provided |  |  |  | Reviewer Comment (2025-05-21): Condo Rider provided | 05/21/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837438 | xxxxxx | 33455979 | xxxxxx | 05/19/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | HO6 policy shows xxxxxx as the city and Note has xxxxxx. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-29): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-29): Endorsement provided with updated city, however the effective date is xxxxxx which is post close and not acceptable. |  |  | 05/29/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837438 | xxxxxx | 33469345 | xxxxxx | 05/19/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Business Purpose Certificate was not provided. |  | Reviewer Comment (2025-05-21): BP Cert provided | 05/21/2025 |  |  | 1 | C A | C A | C | A D | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837220 | xxxxxx | 33474764 | xxxxxx | 05/20/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-05-21): Supplement provided | 05/21/2025 |  |  | 1 | B A | B A | B | A B | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837220 | xxxxxx | 33474786 | xxxxxx | 05/20/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-05-22): Received E-Sign Consent Agreement. Exception cleared. | 05/22/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837220 | xxxxxx | 33478454 | xxxxxx | 05/20/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Co Borrower has a new secured line of credit with xxxxxx for xxxxxx. Provide evidence of what property this is on. Also, need to source the xxxxxx xxxxxx loan advance from this LC into xxxxxx. |  | Reviewer Comment (2025-05-23): Supporting documentation provided. T-Bill. Not on property and borrower took advancement. Debt added to ratios.<br>Reviewer Comment (2025-05-22): Received LOX is not acceptable, provide the T-Bill statement which reflects xxxxxx is the advance withdrawn on xxxxxx . Also, since T-bill is used as collateral. Therefore provide the monthly liability to consider this for DTI calculation. Exception remains. | 05/23/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837220 | xxxxxx | 33482231 | xxxxxx | 05/20/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Citizenship status not provided for xxxxxx. |  | Reviewer Comment (2025-05-21): Updated 1003 provided | 05/21/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837220 | xxxxxx | 33482270 | xxxxxx | 05/20/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx , Borrower: xxxxxx Proof of Ownership<br> Proof of Ownership | The business being used to source income must be in existence for a minimum of two (2) years as evidenced by one of the following: CPA Letter, or Business License, or Bank statement from 24 or more months prior to note date reflecting activity, or Other reasonable evidence of business activity. |  | Reviewer Comment (2025-05-21): 2022/2023 K-1's provided reflecting xxxxxx split | 05/21/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837220 | xxxxxx | 33501561 | xxxxxx | 05/21/2025 | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | 2 years of business tax returns were provided in which do not support the bank statement income. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-28): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-21): 2 years business returns provided post-review. |  |  | 05/28/2025 | 2 | B | B |  | B | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837301 | xxxxxx | 33491630 | xxxxxx | 05/21/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Questionable Occupancy: Valuation occupancy differs from occupancy on loan approval. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Appraisal reflects xxxxxx. |  | Reviewer Comment (2025-05-23): Updated appraisal provided | 05/23/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837042 | xxxxxx | 33474007 | xxxxxx | 05/21/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-05-27): Received UCDP SSR for subject property. Exception cleared.<br>Reviewer Comment (2025-05-23): Received UCDP for property another than subject property. Exception remains. | 05/27/2025 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A C | A | A D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837042 | xxxxxx | 33474010 | xxxxxx | 05/21/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2025-05-27): Received Credit Refresh report dated xxxxxx . Exception cleared.<br>Reviewer Comment (2025-05-23): Received Credit Refresh report is not for borrower. Provide Credit Report Gap for borrower. Exception remains. | 05/27/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A C | A | A D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837205 | xxxxxx | 33483335 | xxxxxx | 05/22/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx HOA Verification | Per the final 1003 there is an additional payment of $351.92. Assumption this is HOA. Provide evidence of $351.92 obligation. |  | Reviewer Comment (2025-05-29): Received HOI policy. Exception cleared. | 05/29/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D A C | D | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837205 | xxxxxx | 33488255 | xxxxxx | 05/22/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report and OFAC not run on seller, xxxxxx, signing on behalf of xxxxxx |  | Reviewer Comment (2025-05-29): Received updated Fraud Report. Fraud and OFAC run on the seller. Exception cleared.<br>Reviewer Comment (2025-05-27): The Fraud report provided reflects Seller name as xxxxxx; however, as per Seller CD & POA Documents the name reflects as xxxxxx. Kindly provide the correct name of the Seller xxxxxx. Exception remains. | 05/29/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | D A C | D | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837205 | xxxxxx | 33498333 | xxxxxx | 05/22/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID - the file contains an illegible TRID disclosure. Testing is incomplete |  | Only page 1 of the Final CD was provided. Provide all pages of the completed and signed Final CD. |  | Reviewer Comment (2025-05-29): Complete closing CD provided. | 05/29/2025 |  |  | 1 | D A | D A | D | A D | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | D | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837439 | xxxxxx | 33482496 | xxxxxx | 05/23/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | Note address xxxxxx VS. Address on CDA xxxxxx |  | Reviewer Comment (2025-06-10): Updated CDA provided | 06/10/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837361 | xxxxxx | 33518708 | xxxxxx | 05/27/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or xxxxxx) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | Reviewer Comment (2025-05-27): Client elects to waive |  |  | 05/27/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | B | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837398 | xxxxxx | 33493538 | xxxxxx | 05/27/2025 | 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 Second Appraisal Fee. Fee Amount of $625.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7507) | Cure nor valid COC provided |  | Reviewer Comment (2025-06-01): SitusAMC received LOE in lieu of COC dated xxxxxx .<br>Reviewer Comment (2025-05-29): SitusAMC received LOE for requirement of second appraisal. But as per appraisal requirement provided an UW condition the 2nd appraisal required for loan amount > 2M. Also, there is no document in file to confirm the HPML loan and changes received date. Please provide more information on what changes received on xxxxxx that resulted in requirement of 2nd appraisal or cure would be due to borrower. | 06/01/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837398 | xxxxxx | 33496772 | xxxxxx | 05/27/2025 | 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 $2,296.00 exceeds tolerance of $1,956.00 plus 10% or $2,151.60. Insufficient or no cure was provided to the borrower. xxxxxx | Cure nor valid COC provided. |  | Reviewer Comment (2025-07-09): Cure docs received. Two separate cure checks $17 sent on xxxxxx (LOE accounting check PCCD and proof of delivery provided) and another $66.40 check sent on 7/8 with LOE and PCCD<br>Reviewer Comment (2025-07-08): Per escalated review: The total 10% category overage to be cured is $83.40, we understand the cure was sent separately, one for $17 and another for $66.40. The requirement to provide proof of delivery is for the aggregate cure which exceeds $35. We are in receipt of the accounting printout evidencing check was printed but no evidence of delivery to consumer. We can accept evidence of cashed/cancelled check or email from borrower confirming receipt of the $17 cure check sent on xxxxxx or we can also check courier code (invoice details references xxxxxx). Note, generally, a revised PCCD will aggregate the cures so that the cure amount in Section J would show $83.40 vs. two separate CDs showing different cure amounts but the revised PCCD can be waived since the LOE describes the error and references the cure amounts.<br>Reviewer Comment (2025-07-07): SitusAMC received Post CD,LOX,Copy of refund check and proof of mailing for $66.40. However, the provided Post CD is only reflecting lender credit of $66.40 instead of $83.40. Also, provide copy of refund check and proof of mailing for $17 in order to cure the exception.<br>Reviewer Comment (2025-06-23): SitusAMC received Final settlement statement, however cure required is $83.40 and cure provided is $17. Please provide additional cure of $66.40 along with copy of check and proof of mailing for $17 cure. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Reviewer Comment (2025-06-19): SitusAMC received corrected PCCD, LOE and check details for cure of $17. But the required 10% cure is $144 however, the PCCD provided has updated title charges but a copy of true and certified final SS is required to finalize the same. Please provide xxxxxx final SS and copy of signed check for remediations.<br>Reviewer Comment (2025-06-04): SitusAMC received rebuttal, principal reduction for cure is acceptable. Please provide corrected PCCD, LOE and payment history for principal reduction of cure.<br>Reviewer Comment (2025-05-29): SitusAMC received LOE stating the borrower opted to chose the title company from xxxxxx. More information is required on borrowers' request like email from borrower or conversation log or LOS snip to validate the change request. As per available documents we are unable to verify the title company used for fees on LE. Please provide additional information or cure would be required. |  | 07/09/2025 |  | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 834022 | xxxxxx | 33528213 | xxxxxx | 06/03/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, signor for the seller, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-06-05): Received updated Fraud Report. Fraud and OFAC search run on the seller. Exception cleared. | 06/05/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837324 | xxxxxx | 33568917 | xxxxxx | 06/09/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | Final CD shows there is a Prepayment penalty |  | Reviewer Comment (2025-06-18): Received Corrected 1003. Exception cleared.<br>Reviewer Comment (2025-06-16): Received post closed CD which reflect prepayment terms as "No". Provide corrected 1003 Pg 10 reflects loan features as 24. Exception remains. | 06/18/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | Yes | Property Focused |
| xxxxxx | 837324 | xxxxxx | 33571754 | xxxxxx | 06/09/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor Exception: Investor concentration > 60% (84.82% per HOA cert) | 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. | Reviewer Comment (2025-06-10): Client elects to waive with verified compensation factors |  |  | 06/10/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837324 | xxxxxx | 33572163 | xxxxxx | 06/09/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Currency Converter/Exchange (Asset) not provided |  | Provide currenncy converter for xxxxxx |  | Reviewer Comment (2025-06-13): Historical rates provided<br>Reviewer Comment (2025-06-12): The currency converter is provided post close and does not reflect historical rates. Upon receipt of historical rates, funds to be re-calculated and loan needs to be re-checked for cash to close sufficiency since condition was cleared with POCB invoice received.<br>Reviewer Comment (2025-06-11): Received currency converter for $61,110.89 dated xxxxxx . However currency converter is required for $64,242.64. Exception remains. | 06/13/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837324 | xxxxxx | 33572168 | xxxxxx | 06/09/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $122,040.16 is less than Cash From Borrower $122,047.62. | xxxxxx has xxxxxx branches but is not xxxxxx insured. Can only be used for reserves per guidelines. POCB paid invoice for appraisal fee also not provided. |  | Reviewer Comment (2025-06-12): Paid POCB provided<br>Reviewer Comment (2025-06-11): As noted in the condition, xxxxxx bank has xxxxxx branches but is not xxxxxx insured, therefore can only be used for reserves. Reflecting xxxxxx currency does not make it xxxxxx insured. The wire of $114,000 was already considered as it was in file at time of review. Funds came out of the xxxxxx account. Per the original condition, provide the paid POC invoice for the appraisal which may clear up this condition. | 06/12/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837324 | xxxxxx | 33582876 | xxxxxx | 06/09/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception: No reserve allocation for 2025 budget. | 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. | Reviewer Comment (2025-06-10): Client elects to waive with verified compensation factors |  |  | 06/10/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837324 | xxxxxx | 33893970 | xxxxxx | 07/10/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Post-Review. Client stated lender added a PPP to the loan. Provide the corrected 1003, PC-CD, and evidence of delivery to the borrower. (Received LOE to borrower with LOI, executed PPP addendum to the Note, executed PPP Rider to the DOT, and executed DOT with Rider added). |  | Reviewer Comment (2025-07-11): Received corrected 1003, PC-CD and evidence of delivery to borrower. | 07/11/2025 |  |  | 1 | A | A |  | A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 838526 | xxxxxx | 33593790 | xxxxxx | 06/12/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Subject property mortgage history does not appear on credit. 11 months pay history provided by creditor. Per guidelines, VOMs are required on the subject property along with 12 months of housing history. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Reviewer Comment (2025-06-27): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-06-18): Received pay history provided by creditor dated xxxxxx is an escrow adjustment, not a mortgage payment. However, per guidelines, VOMs are required on the subject property along with 12 months of housing history. Exception remains. |  |  | 06/27/2025 | 2 | C B | C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835219 | xxxxxx | 33629392 | xxxxxx | 06/17/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | Both the Appraisal and CDA reports reflect the city as "xxxxxx" vs Note reflects the city as "xxxxxx". Provide updated appraisal and CDA reports to reflect the correct city to match the city on the Note. |  | Reviewer Comment (2025-07-18): Updated CDA provided<br>Reviewer Comment (2025-07-16): EXCEPTION HISTORY - Exception Detail was updated on xxxxxx PRIOR Exception Detail: Valuation Type: Appraisal / Valuation Report Date: xxxxxx , Valuation Type: Desk Review / Valuation Report Date: xxxxxx <br>Reviewer Comment (2025-07-09): Received corrected appraisal. Pending receipt of corrected CDA. | 07/18/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 835219 | xxxxxx | 33629425 | xxxxxx | 06/17/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | As per Final 1003 and Fraud report in file, the PITI for the property "xxxxxx" is considered as 11,826.61/month as it seems the property was refinanced recently and there is no evidence of the new loan. Provide a Final CD for the above property reflecting the new loan details. If taxes and insurance are not escrowed then provide tax certificate, HOI policy and HOA Cert (if applicable). |  | Reviewer Comment (2025-07-11): Received Note and Final Closing Disclosure to verify PITIA. Exception cleared.<br>Reviewer Comment (2025-06-24): The statement provided was in file at time of review and now acceptable. The statement provided reflects a payment of $3,644.41/month PITI and the new estimated payment is $11,826.61/month PITI. There is no evidence that the new transaction has not closed yet. We need evidence from the new transaction of the payment via a Final CD, Final Note, First Payment Letter. If the transaction has not closed, we need evidence of that and a prelim CD or other documentation verifying the new PITI. | 07/11/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 835219 | xxxxxx | 33669886 | xxxxxx | 06/17/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Borrowers living rent free at their primary residence may be eligible but only if they live with a non-borrowing spouse. To be eligible, the non-borrowing spouse must provide a rent-free letter, and evidence of an acceptable 12-month housing payment history (mortgage or rent payment) from the non-borrowing spouse must be obtained. LOE and mortgage statement only provided from non-borrowing spouse stating borrower is living rent free. |  | Reviewer Comment (2025-07-16): Mortgage statement provided. New loan refinance. NPD xxxxxx <br>Reviewer Comment (2025-07-11): Received xxxxxx payment with first payment letter reflecting non-borrowing spouse recently refinanced. Pending receipt of 5.2025 payment. The correspondence provided, second page, is too small to read. Unclear if that is the 5.2025 payment.<br>Reviewer Comment (2025-07-11): Received Mortgage statement verify payment due from xxxxxx through xxxxxx and xxxxxx , xxxxxx . However, missing payment due for xxxxxx and xxxxxx . Exception remains. | 07/16/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837846 | xxxxxx | 33725211 | xxxxxx | 06/27/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | There is shortfall of xxxxxx. Total loan amount (including both first mortgage and second mortgage/HELOC), provided it equals no less than 80% of the replacement cost value of the improvements as of the current property insurance policy effective date. Provide the RCE. |  | Reviewer Comment (2025-07-09): RCE provided<br>Reviewer Comment (2025-07-02): The same document was provided that was in file at time of review. Please review the original condition. Coverage of the loan amount is not acceptable. Total loan amount (including both first mortgage and second mortgage/HELOC), provided it equals no less than 80% of the replacement cost value of the improvements as of the current property insurance policy effective date. Provide the RCE. | 07/09/2025 |  |  | 1 | C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837846 | xxxxxx | 33725213 | xxxxxx | 06/27/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx/xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | 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>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-06-26): Client elects to waive |  |  | 06/26/2025 | 2 | B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837846 | xxxxxx | 33725215 | xxxxxx | 06/27/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | No title policy or title search in file |  | Reviewer Comment (2025-07-02): Title search provided | 07/02/2025 |  |  | 1 | C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837846 | xxxxxx | 33725298 | xxxxxx | 06/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Additional 3-Day Waiting Period Timing Test – Regular Transaction | TILA-RESPA Integrated Disclosure – Most recent Closing Disclosure received at least 3 days prior to closing dated xxxxxx disclosed an inaccurate APR of 9.28600% compared to the actual APR at consummation of 9.92949% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation. | 1026.19(f)(1)(i) and (ii) require that the consumer receives accurate disclosures with the actual terms of the transaction at least three (3) specific/precise business days prior to consummation. If the APR disclosed on the initial CD becomes inaccurate as defined under 1026.22, revised disclosures with an accurate APR must be disclosed and a new 3-day waiting period prior to consummation provided. The APR on the most recent CD received 3 days prior to consummation (9.286%) changed more than the 0.125%(regular transaction) threshold compared to the actual/calculated APR at consummation (9.92949%) and a revised disclosure with accurate APR was not received by the consumer at least 3 business days prior to consummation. |  | Reviewer Comment (2025-07-07): SitusAMC received copy of xxxxxx CD. | 07/07/2025 |  |  | 1 | C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837846 | xxxxxx | 33725299 | xxxxxx | 06/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial xxxxxx) | Evidence of earlier receipt not provided |  | Reviewer Comment (2025-07-08): SitusAMC Received initial LE.<br>Reviewer Comment (2025-07-07): SitusAMC: The timing for the LE under § 1026.19(e)(1)(iii) is three business days from application. Initial LE issued xxxxxx . On this loan, the LE should have been issued within 3 business days of the broker application date of xxxxxx . | 07/08/2025 |  |  | 1 | C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837846 | xxxxxx | 33725300 | xxxxxx | 06/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xxxxxx contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation | APR changed between 5/5 and xxxxxx with no interim CD in file. |  | Reviewer Comment (2025-07-07): SitusAMC received CD dated xxxxxx . | 07/07/2025 |  |  | 1 | C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837846 | xxxxxx | 33725301 | xxxxxx | 06/27/2025 | 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 xxxxxx , prior to three (3) business days from transaction date of xxxxxx . | Final CD and Final signed Settlement Statement reflect a disbursement date of xxxxxx, however the RTC for xxxxxx has an expiration date of xxxxxx 3 days rescission not provided. |  | Reviewer Comment (2025-07-17): Final stamped settlement statement provided updating disbursement date.<br>Reviewer Comment (2025-07-15): The updated settlement statement provided is not signed / stamped certified by the title agent.<br>Reviewer Comment (2025-07-15): A PC-CD is a lender generated document. As noted on xxxxxx the Final stamped settlement statement from title reflects a disbursement date of xxxxxx If this is incorrect, a new stamped certified settlement statement from title will need to be provided. Otherwise, rescission will need to be re-opened.<br>Reviewer Comment (2025-07-02): The itemized disbursement statement is not acceptable. The Final stamped settlement statement from title reflects a disbursement date of xxxxxx If this is incorrect, a new stamped certified settlement statement from title will need to be provided. | 07/17/2025 |  |  | 1 | C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 837846 | xxxxxx | 33725310 | xxxxxx | 06/27/2025 | Compliance | Compliance | State Compliance | Misc. State Level | xxxxxx Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) | xxxxxx HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within three (3) business days of receipt of the loan application. | Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within three (3) business days of receipt of the loan application. |  | Reviewer Comment (2025-06-26): Client elects to waive |  |  | 06/26/2025 | 2 | B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837846 | xxxxxx | 33725418 | xxxxxx | 06/27/2025 | 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 $-287.00. Insufficient or no cure was provided to the borrower. (9300) | Cure nor valid COC provided |  | Reviewer Comment (2025-07-08): SitusAMC Received xxxxxx COC dated xxxxxx<br>Reviewer Comment (2025-07-07): SitusAMC received updated CD and Changed Circumstance dated xxxxxx , but it does not give sufficient information on what impacts in program that the pricing change for the lender credit decrease. In order to determine if the changed circumstance is valid more information is necessary on reason for the pricing changed 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. | 07/08/2025 |  |  | 1 | C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 837846 | xxxxxx | 33725419 | xxxxxx | 06/27/2025 | 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 $798.50 exceeds tolerance of $585.00 plus 10% or $643.50. Insufficient or no cure was provided to the borrower. xxxxxx | Cure nor valid COC provided |  | Reviewer Comment (2025-07-27): SitusAMC Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-07-25): SitusAMC Received Corrected PCCD, LOE, Refund Check; however, proof of Mailing not received. Provide Proof of Mailing.<br>Reviewer Comment (2025-07-18): SitusAMC received COC dated xxxxxx and xxxxxx but recording fee were changed on CD dated xxxxxx . Also, the reason provided for increase in recording fee due to change in investor is not sufficient. Required more information on how change in investor is resulted in increase in recording fee as recording fee typically is not depend on the investor. Please provide more information and valid COC for fee increased on CD xxxxxx .<br>Reviewer Comment (2025-07-07): SitusAMC received COC dated xxxxxx . but it does not give sufficient information on why the Recording fee was increased. Moreover, the recording fee increase of $329.50 from $100 on CD dated xxxxxx . Provide valid COC for the fee was increased on xxxxxx or Cure is required to borrower. Cure consists of corrected CD, LOE to borrower, proof of mailing, and copy of refund check. |  | 07/27/2025 |  | 2 | C B | C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 837846 | xxxxxx | 33725420 | xxxxxx | 06/27/2025 | 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 Fee. Fee Amount of $895.00 exceeds tolerance of $65.00. Insufficient or no cure was provided to the borrower. (7506) | Cure nor valid COC provided |  | Reviewer Comment (2025-07-18): SitusAMC received COC dated xxxxxx and CD dated xxxxxx .<br>Reviewer Comment (2025-07-07): SitusAMC received Changed Circumstance dated xxxxxx , but it does not give sufficient information on what impacts in program that required to increase the fee. In order to determine if the changed circumstance is valid more information is necessary on reason program changed 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. | 07/18/2025 |  |  | 1 | C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 837846 | xxxxxx | 33725421 | xxxxxx | 06/27/2025 | 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 $182.00 exceeds tolerance of $118.00. Insufficient or no cure was provided to the borrower. (7520) | Cure nor valid COC provided |  | Reviewer Comment (2025-07-27): SitusAMC Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-07-25): SitusAMC Received Corrected PCCD, LOE, Refund Check; however, proof of Mailing not received. Provide Proof of Mailing.<br>Reviewer Comment (2025-07-22): SitusAMC Yes, Kindly provide Cure Docs for $219. Cure Consists of PCCD, LOE, Refund Check and Proof of Mailing.<br>Reviewer Comment (2025-07-18): SitusAMC received COC dated xxxxxx and xxxxxx but credit report fee was changed on CD dated xxxxxx . prior to the COC. Please provide more information for timeline when lender has received the new information that resulted in increase in fee.<br>Reviewer Comment (2025-07-07): SitusAMC received COC dated xxxxxx . but it does not give sufficient information on why the Credit report fee was increased. Moreover, the Credit report fee increase of $182 from $118 on CD dated xxxxxx . Provide valid COC for the fee was increased or Cure is required to borrower. Cure consists of corrected CD, LOE to borrower, proof of mailing, and copy of refund check. |  | 07/27/2025 |  | 2 | C B | C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 837846 | xxxxxx | 33725740 | xxxxxx | 06/27/2025 | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | Investor exception to allow for xxxxxx property. | 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>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-06-26): Client elects to waive with verified compensation factors |  |  | 06/26/2025 | 2 | B | B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837846 | xxxxxx | 33786826 | xxxxxx | 06/27/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  | Modification Agreement and Mortgage Statement only provided |  | Reviewer Comment (2025-07-14): Received Note for the 1st lien. Exception cleared.<br>Reviewer Comment (2025-07-02): The same document was provided that was in file at time of review. Per guidelines a copy of the original senior lien Note is required. | 07/14/2025 |  |  | 1 | D A | D A | N/A | N/A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837846 | xxxxxx | 33786880 | xxxxxx | 06/27/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The licensing for xxxxxx dated xxxxxx reflects location is closed (meaning no longer active). Provide evidence the borrower business is still operating. |  | Reviewer Comment (2025-07-02): Updated document provided all pages denoting business is still in active status. | 07/02/2025 |  |  | 1 | C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837846 | xxxxxx | 33786977 | xxxxxx | 06/27/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Occupancy Cert not provided |  | Reviewer Comment (2025-07-02): Occupancy Cert provided | 07/02/2025 |  |  | 1 | C A | C A | N/A | N/A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837846 | xxxxxx | 33800142 | xxxxxx | 06/27/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note date: xxxxxx; Lien Position: 2 |  | 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>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-06-27): Client elects to waive |  |  | 06/27/2025 | 2 | A | A | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837681 | xxxxxx | 33779769 | xxxxxx | 07/01/2025 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Apprasial Transfer letter not provided in the file | 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. | Reviewer Comment (2025-06-30): Client elects to waive |  |  | 06/30/2025 | 2 | B | B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | A B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837681 | xxxxxx | 33781013 | xxxxxx | 07/01/2025 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) xxxxxx High-Cost Loan (Aggregate Payment Disclosure Not Provided) | xxxxxx High-Cost Loan: Borrower not provided with Aggregate Monthly Payment Disclosure statement. | Seller's $300 Section H fee was for multiple fees lumped together. Will need invoice/itemization to determine if any portion of this fee was excludable. Input undiscounted rate and price from compliance report. No discount points were excludable. xxxxxx points and fees exceed threshold. |  | Reviewer Comment (2025-07-14): Invoice provided for seller paid lump sum fee. xxxxxx high cost exceptions cleared. | 07/14/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | No obvious cure C B A | C | A B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837681 | xxxxxx | 33781014 | xxxxxx | 07/01/2025 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) xxxxxx High-Cost Loan (Consumer Caution and Home Ownership Counseling Notice Not Provided) | xxxxxx High-Cost Loan: Borrower not provided with Consumer Caution and Home Ownership Counseling Notice. | Seller's $300 Section H fee was for multiple fees lumped together. Will need invoice/itemization to determine if any portion of this fee was excludable. Input undiscounted rate and price from compliance report. No discount points were excludable. xxxxxx points and fees exceed threshold. |  | Reviewer Comment (2025-07-14): Invoice provided for seller paid lump sum fee. xxxxxx high cost exceptions cleared. | 07/14/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | No obvious cure C B A | C | A B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837681 | xxxxxx | 33781015 | xxxxxx | 07/01/2025 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) xxxxxx High-Cost Loan (High Cost Legend Not on Mortgage) | xxxxxx High-Cost Loan: Mortgage does not contain legend advising loan is high-cost. | Seller's $300 Section H fee was for multiple fees lumped together. Will need invoice/itemization to determine if any portion of this fee was excludable. Input undiscounted rate and price from compliance report. No discount points were excludable. xxxxxx points and fees exceed threshold. |  | Reviewer Comment (2025-07-14): Invoice provided for seller paid lump sum fee. xxxxxx high cost exceptions cleared. | 07/14/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | A B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837681 | xxxxxx | 33781016 | xxxxxx | 07/01/2025 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) xxxxxx High-Cost Loan (Shop Around Notice Not on Loan Application) | xxxxxx High-Cost Loan: Mandatory "Shop Around" Notice not included on loan application to applicant. | Seller's $300 Section H fee was for multiple fees lumped together. Will need invoice/itemization to determine if any portion of this fee was excludable. Input undiscounted rate and price from compliance report. No discount points were excludable. xxxxxx points and fees exceed threshold. |  | Reviewer Comment (2025-07-14): Invoice provided for seller paid lump sum fee. xxxxxx high cost exceptions cleared. | 07/14/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | No obvious cure C B A | C | A B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837681 | xxxxxx | 33781017 | xxxxxx | 07/01/2025 | Compliance | Compliance | State Compliance | State Defect | (State High Cost) xxxxxx High-Cost Loan (Points and Fees) | xxxxxx Anti-Predatory Lending Statute: Points and Fees on subject loan of 5.03778% is in excess of the allowable maximum of 5.00000% of the Total Loan Amount. Points and Fees total xxxxxx on a Total Loan Amount of xxxxxx vs. an allowable total of xxxxxx (an overage of xxxxxx or .03778%). Non-Compliant High Cost Loan. | Seller's $300 Section H fee was for multiple fees lumped together. Will need invoice/itemization to determine if any portion of this fee was excludable. Input undiscounted rate and price from compliance report. No discount points were excludable. xxxxxx points and fees exceed threshold. |  | Reviewer Comment (2025-07-14): Invoice provided for seller paid lump sum fee. xxxxxx high cost exceptions cleared. | 07/14/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Within 30 days of closing, provide: (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 (must be in transit with courier); (3) Assuming option (b) is selected, proof of cure for each of the prohibited practice violations noted.<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 60 days of discovery, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (5) If option 4(a) is selected, copy of refund check and proof of mailing; (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | C | A B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837681 | xxxxxx | 33809947 | xxxxxx | 07/01/2025 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) xxxxxx High-Cost Loan (Counseling Disclosure Not Provided) | xxxxxx High-Cost Loan: Counseling Disclosure not provided to borrower. | Seller's $300 Section H fee was for multiple fees lumped together. Will need invoice/itemization to determine if any portion of this fee was excludable. Input undiscounted rate and price from compliance report. No discount points were excludable. xxxxxx points and fees exceed threshold. |  | Reviewer Comment (2025-07-14): Invoice provided for seller paid lump sum fee. xxxxxx high cost exceptions cleared. | 07/14/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | No obvious cure C B A | C | A B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838466 | xxxxxx | 33849976 | xxxxxx | 07/10/2025 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: 53 | Note date: xxxxxx; Lien Position: 2 |  |  | Reviewer Comment (2025-07-14): Second AVM provided | 07/14/2025 |  |  | 1 | N/A | N/A | N/A | N/A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | A D B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838466 | xxxxxx | 33849981 | xxxxxx | 07/10/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note date: xxxxxx; Lien Position: 2 |  | 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>The Combined Loan to Value (CLTV) 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. | Reviewer Comment (2025-07-09): Client elects to waive |  |  | 07/09/2025 | 2 | A | A | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | A D B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838466 | xxxxxx | 33850151 | xxxxxx | 07/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $2,360.00 exceeds tolerance of $1,735.00. Insufficient or no cure was provided to the borrower. (7200) | The Loan Discount Points Fee increased from xxxxxx on the initial Loan Estimate to xxxxxx on the Loan Estimate dated xxxxxx without a valid change of circumstance. |  | Reviewer Comment (2025-07-15): SitusAMC received valid COC dated xxxxxx  | 07/15/2025 |  |  | 1 | C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | A D B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 838466 | xxxxxx | 33850152 | xxxxxx | 07/10/2025 | 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 $184.00 exceeds tolerance of $118.00. Insufficient or no cure was provided to the borrower. (7520) | The Credit Report Fee increased from $118.00 on the initial Loan Estimate to xxxxxx on the Final Closing Disclosure without a valid change of circumstance. |  | Reviewer Comment (2025-07-15): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception." | 07/15/2025 |  |  | 1 | C A | C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | A D B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 838466 | xxxxxx | 33875114 | xxxxxx | 07/10/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Payments can be excluded if there are 10 or fewer monthly payments remaining to pay the debt in full. If the payment is substantial and exceeds 5% of the borrower's qualifying income, the overall transaction should be reviewed to ensure the remaining payments will not impact the borrower's ability to handle the new mortgage payment. The payment for xxxxxx month payment of $479 is > 5% of the borrower's total monthly income and if included would affect DTI. | 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>The Combined Loan to Value (CLTV) 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. | Reviewer Comment (2025-07-15): Client elects to waive with verified compensation factors |  |  | 07/15/2025 | 2 | C B | C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | A D B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838466 | xxxxxx | 33875200 | xxxxxx | 07/10/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Document is signed but not completed. Primary and Refinance Only not checked. |  | Reviewer Comment (2025-07-22): Received complete signed Occupancy Certificate. Exception cleared. | 07/22/2025 |  |  | 1 | C A | C A | N/A | N/A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | A D B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838466 | xxxxxx | 33931325 | xxxxxx | 07/15/2025 | 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 Credit Report Fee. Fee Amount of $184.00 exceeds tolerance of $118.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) | Sufficient cure provided at closing |  | Reviewer Comment (2025-07-15): Sufficient Cure Provided At Closing |  | 07/15/2025 |  | 1 | A | A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B | C | A D B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 842100 | xxxxxx | 34161416 | xxxxxx | 08/12/2025 | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: Preliminary <br> State: xxxxxx |  |  | Reviewer Comment (2025-08-13): Received Title Supplement reflecting coverage amount equal to loan amount. Exception cleared. | 08/13/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842100 | xxxxxx | 34161450 | xxxxxx | 08/12/2025 | Credit | Insurance | Insurance Documentation | Insurance | Insurance Policy Expiration Date is less than 30 days of the Note Date and does not have automatic renewal. |  | Insurance expiration date is xxxxxx |  | Reviewer Comment (2025-08-13): Received renewed blanket policy. Exception cleared. | 08/13/2025 |  |  | 1 | C A | C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |

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## Exhibit 99.4

**EXHIBIT 99.4** 

**AMC RATING AGENCY GRADES**

![](tm2529005d1_ex99-4img001.jpg)

**Rating Agency Grades**

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| | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **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 OVERALL 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 OVERALL LOAN GRADES** |  |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Deal Number** | **Original Loan Amount** | **Moody's** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Kroll** | **Moody's** | **Moody's** | **Moody's** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Moody's** | **Moody's** | **Scope** |
| xxxxxx | 771424 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 770863 | xxxxxx | xxxxxx | xxxxxx B | B | A | A | A | A | A | A | A | A B | B A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 770887 | xxxxxx | xxxxxx | xxxxxx A | A | B | B | B | B | B | A | A | A B | B A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 770888 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 770866 | xxxxxx | xxxxxx | xxxxxx B | B | A | A | A | A | A | D | D | D | D A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 770862 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 770881 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 770867 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 771635 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 771007 | xxxxxx | xxxxxx | xxxxxx B | B | B | B | B | B | B | A | A | A B | B A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 771009 | xxxxxx | xxxxxx | xxxxxx B | B | B | B | B | B | B | A | A | A B | B A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 772242 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 772289 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 772264 | xxxxxx | xxxxxx | xxxxxx B | B | B | B | B | B | B | A | A | A B | B A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 771658 | xxxxxx | xxxxxx | xxxxxx B | B | A | A | A | A | A | A | A | A B | B A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 771983 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 771755 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 772200 | xxxxxx | xxxxxx | xxxxxx B | B | B | B | B | B | B | A | A | A B | B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 772315 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 772271 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 772276 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 772304 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | D | D | D | D A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 770874 | xxxxxx | xxxxxx | xxxxxx D | D | C | C | C | C | C | A | A | A D | D A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 772265 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 770905 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 772327 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 772261 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 772244 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 773661 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 773650 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | B | B | B C | C B | B | B | B | B | B | B | B | B | Mortgagor Focused |
| xxxxxx | 773648 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 773679 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 773677 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 774281 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 772325 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 772333 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 773667 | xxxxxx | xxxxxx | xxxxxx D | D | B | B | B | B | B | A | A | A D | D B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 773662 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 774303 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 772941 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 774285 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 772314 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 774308 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 774247 | xxxxxx | xxxxxx | xxxxxx D | D | A | A | A | A | A | A | A | A D | D A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 775926 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 767968 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 773680 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 774462 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 776159 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A | A | A B | B A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 775643 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 775740 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 774307 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 775085 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 774650 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 774250 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 774277 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 775579 | xxxxxx | xxxxxx | xxxxxx C | C D | N/A | N/A | N/A | N/A | N/A | A | A | A C | C D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 775838 | xxxxxx | xxxxxx | xxxxxx C | C D | N/A | N/A | N/A | N/A | N/A | A | A | A C | C D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 775843 | xxxxxx | xxxxxx | xxxxxx C | C D | N/A | N/A | N/A | N/A | N/A | A | A | A C | C D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 776003 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 775166 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 771697 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 775923 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 776227 | xxxxxx | xxxxxx | xxxxxx B | B | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 775587 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 776581 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 776410 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 772323 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 775881 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 773664 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 774898 | xxxxxx | xxxxxx | xxxxxx B | B | C | C | C | C | C | A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 776817 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | D | D | D | D A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 775590 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 776412 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 776892 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | B | B | B C | C A | A | B | B | B | B | B | B | B | Mortgagor Focused |
| xxxxxx | 777361 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 776762 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 775269 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 777698 | xxxxxx | xxxxxx | xxxxxx C | C D | N/A | N/A | N/A | N/A | N/A | A | A | A C | C D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 776969 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | B | B | B C | C B | B | B | B | B | B | B | B | B | Mortgagor Focused |
| xxxxxx | 775155 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 777895 | xxxxxx | xxxxxx | xxxxxx C | C D | N/A | N/A | N/A | N/A | N/A | A | A | A C | C D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 776356 | xxxxxx | xxxxxx | xxxxxx D | D | A | A | A | A | A | A | A | A D | D B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 778173 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 777312 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 777718 | xxxxxx | xxxxxx | xxxxxx D | D | C | C | C | C | C | D | D | D | D B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 777156 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 773534 | xxxxxx | xxxxxx | xxxxxx A | A | B | B | B | B | B | A | A | A B | B A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 777078 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 777472 | xxxxxx | xxxxxx | xxxxxx A | A | B | B | B | B | B | A | A | A B | B A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 778123 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 777077 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 776853 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | D | D | D | D | D A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 778919 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 777429 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 776857 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | B | B | B C | C B | B | B | B | B | B | B | B | B | Mortgagor Focused |
| xxxxxx | 776854 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 778077 | xxxxxx | xxxxxx | xxxxxx D | D | B | B | B | B | B | C | C | C D | D A | A | B | B | B | B | B | B | B | Mortgagor Focused |
| xxxxxx | 777220 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 776616 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 778859 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 777704 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 779185 | xxxxxx | xxxxxx | xxxxxx C | C D | N/A | N/A | N/A | N/A | N/A | A | A | A C | C D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 775461 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 777734 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 778469 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 777437 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 778480 | xxxxxx | xxxxxx | xxxxxx C | C D | N/A | N/A | N/A | N/A | N/A | A | A | A C | C D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 779725 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 778702 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 779136 | xxxxxx | xxxxxx | xxxxxx A | A | B | B | B | B | B | A | A | A B | B A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 777848 | xxxxxx | xxxxxx | xxxxxx A | A | B | B | B | B | B | A | A | A B | B A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 777248 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 779279 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | B | B | B C | C A | A | A | A | A | A | A B | B | B | Mortgagor Focused |
| xxxxxx | 779735 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 776595 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | B | B | B C | C B | B | B | B | B | B | B | B | B | Mortgagor Focused |
| xxxxxx | 779558 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 779081 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 780524 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 780604 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 780732 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 780379 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 781375 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 779990 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 779994 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 779950 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 779964 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 780023 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 779985 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 779977 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 779980 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 779995 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 780044 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 778448 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 781985 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 780827 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 780370 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 780506 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | D | D | D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 783054 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | D | D | D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 782577 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 782816 | xxxxxx | xxxxxx | xxxxxx D | D | C | C | C | C | C | A | A | A D | D B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 781923 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 782313 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 782854 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 782368 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 782509 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 783543 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 783651 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 784562 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 784012 | xxxxxx | xxxxxx | xxxxxx B | B | C | C | C | C | C | A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 783599 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 783105 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 783983 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 784974 | xxxxxx | xxxxxx | xxxxxx C | C D | N/A | N/A | N/A | N/A | N/A | A | A | A C | C D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 783138 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 784091 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 784274 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 785783 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 785735 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | D | D | D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 786297 | xxxxxx | xxxxxx | xxxxxx B | B | B | B | B | B | B | A | A | A B | B A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 786064 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 786776 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 785095 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 785578 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 785589 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 786610 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 784133 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 786601 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | D | D | D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 784995 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 787164 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 787165 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 786725 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 786015 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 786577 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 786443 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 786262 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 786946 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 784774 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 789757 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 790794 | xxxxxx | xxxxxx | xxxxxx D | D | C | C | C | C | C | A | A | A D | D B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 790387 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 790478 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 791275 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 791877 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 790369 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 791968 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 790858 | xxxxxx | xxxxxx | xxxxxx D | D | C | C | C | C | C | A | A | A D | D B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 790784 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 792731 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 791942 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 791845 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 792812 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 792746 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 790990 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 792769 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 792764 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 792424 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 792438 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 793790 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 792780 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 794107 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 792433 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 792552 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 793275 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 792073 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 792929 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 794779 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 794640 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 794645 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 794607 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 794593 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 794808 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 791848 | xxxxxx | xxxxxx | xxxxxx D | D | C | C | C | C | C | A | A | A D | D B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 793769 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 794829 | xxxxxx | xxxxxx | xxxxxx A | A | B | B | B | B | B | A | A | A B | B A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 793196 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 793641 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 793320 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 793308 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 793900 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 793321 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 795046 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 795051 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 795057 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 795074 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | D | D | D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 795084 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 795100 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 795122 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 795134 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 795177 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A | A | A B | B A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 794689 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 796068 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 792251 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A | A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 794826 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 795538 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 793849 | xxxxxx | xxxxxx | xxxxxx C | C D | N/A | N/A | N/A | N/A | N/A | A | A | A C | C D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 795569 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 796388 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 796232 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 793135 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 797180 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 795980 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | D | D | D | D A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 795680 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 796424 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 796594 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C B | B | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 797490 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | D | D | D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 798223 | xxxxxx | xxxxxx | xxxxxx C | C D | N/A | N/A | N/A | N/A | N/A | A | A | A C | C D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 797603 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 797441 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 794274 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 797189 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 796550 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 795704 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 796637 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 795461 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 798445 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 796742 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 797156 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 791589 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 798400 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 798745 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 797436 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | D | D | D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 798095 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 798899 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 799873 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 802603 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 803090 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | C | C | C D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 804023 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 803929 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 803107 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 807381 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 808973 | xxxxxx | xxxxxx | xxxxxx A | A | B | B | B | B | B | A | A | A B | B A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 809156 | xxxxxx | xxxxxx | xxxxxx A | A | B | B | B | B | B | A | A | A B | B A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 808976 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A | A | A D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 808547 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 809030 | xxxxxx | xxxxxx | xxxxxx C | C D | B | B | B | B | B | A | A | A C | C D A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 809147 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 809235 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 809028 | xxxxxx | xxxxxx | xxxxxx C | C D | B | B | B | B | B | A | A | A C | C D A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 809106 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 809039 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 807552 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 832946 | xxxxxx | xxxxxx | xxxxxx C | N/A C | C | C | C | N/A | C | A | A | N/A C | N/A C B | N/A B | A | A | A | N/A | A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 835592 | xxxxxx | xxxxxx | xxxxxx C | N/A C | B | B | B | N/A | B | A | A | A C | N/A C | N/A | B | B | B | N/A | B A | A B | N/A B | Mortgagor Focused |
| xxxxxx | 837258 | xxxxxx | xxxxxx | xxxxxx B | N/A B | A | A | A | N/A | A | A | A | A B | N/A B | N/A | A | A | A | N/A | A | A | N/A | Mortgagor Focused |
| xxxxxx | 837233 | xxxxxx | xxxxxx | xxxxxx C | N/A C | B | B | B | N/A | B | A | A | A C | N/A C B | N/A B | B | B | B | N/A | B A | A B | N/A B | Mortgagor Focused |
| xxxxxx | 836736 | xxxxxx | xxxxxx | xxxxxx B | B | A | A | A | A | A | A | A | A B | B A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 837142 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 836971 | xxxxxx | xxxxxx | xxxxxx D | N/A D | C | C | C | N/A | C | A | A | N/A D | N/A D | N/A | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 837438 | xxxxxx | xxxxxx | xxxxxx C | N/A D | A | A | A | N/A | A | A | A | A C | N/A D B | N/A B | A | A | A | N/A | A | A B | N/A B | Mortgagor Focused |
| xxxxxx | 837220 | xxxxxx | xxxxxx | xxxxxx C | N/A C | A | A | A | N/A | A | A | A | A C | N/A C B | N/A B | A | A | A | N/A | A | A B | N/A B | Mortgagor Focused |
| xxxxxx | 837301 | xxxxxx | xxxxxx | xxxxxx C | N/A C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A | A | N/A | Property Focused |
| xxxxxx | 837042 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | D | D | D | D A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 837205 | xxxxxx | xxxxxx | xxxxxx C | C | D | D | D | D | D | A | A | A D | D A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 837439 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837361 | xxxxxx | xxxxxx | xxxxxx A | A | B | B | B | B | B | A | A | A B | B A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 837398 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C | A | A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 837878 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 834022 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837324 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 838526 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A | A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 835219 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 838276 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 837846 | xxxxxx | xxxxxx | xxxxxx D | N/A D | C | C | C | N/A | C | A | A | N/A B D | N/A D B | N/A B | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 837681 | xxxxxx | xxxxxx | xxxxxx A | N/A | C | C | C | N/A | C | B | B | B C | N/A C | N/A | A | A | A | N/A | A B | B | N/A B | Mortgagor Focused |
| xxxxxx | 838466 | xxxxxx | xxxxxx | xxxxxx C | N/A D | C | C | C | N/A | C | N/A | N/A | N/A D C | N/A D B | N/A B | A | A | A | N/A | A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 842100 | xxxxxx | xxxxxx | xxxxxx C | N/A C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A | A | N/A | Property Focused |

---

## Exhibit 99.5

**EXHIBIT 99.5** 

**AMC QM-ATR DILIGENCE REPORT**

![](tm2529005d1_ex99-5img001.jpg)

**QM-ATR Diligence**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Borrower Name** | **Originator QM Designation** | **Originator Re Stated QM Designation** | **Due Diligence QM Designation** | **Application Date** |
| xxxxxx | 767968 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 770862 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 770863 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 770866 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 770867 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 770874 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 770881 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 770887 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 770888 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 770905 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 771007 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 771009 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 771424 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 771635 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 771658 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 771697 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 771755 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 771983 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 772200 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 772242 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 772244 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 772261 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 772264 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 772265 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 772271 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 772276 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 772289 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 772304 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 772314 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 772315 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 772323 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 772325 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 772327 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 772333 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 772941 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 773534 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 773648 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 773650 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 773661 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 773662 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 773664 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 773667 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 773677 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 773679 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 773680 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 774247 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 774250 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 774277 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 774281 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 774285 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 774303 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 774307 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 774308 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 774462 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 774650 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 774898 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 775085 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 775155 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 775166 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 775269 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 775461 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 775579 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 775587 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 775590 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 775643 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 775740 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 775838 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 775843 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 775881 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 775923 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 775926 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 776003 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 776159 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 776227 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 776356 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 776410 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 776412 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 776581 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 776595 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 776616 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 776762 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 776817 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 776853 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 776854 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 776857 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 776892 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 776969 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 777077 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 777078 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 777156 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 777220 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 777248 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 777312 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 777361 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 777429 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 777437 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 777472 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 777698 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 777704 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 777718 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 777734 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 777848 | xxxxxx | xxxxxx | N/A |  | Non QM | xxxxxx |
| xxxxxx | 777895 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 778077 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 778123 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 778173 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 778448 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 778469 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 778480 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 778702 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 778859 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 778919 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 779081 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 779136 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 779185 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 779279 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 779558 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 779725 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 779735 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 779950 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 779964 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 779977 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 779980 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 779985 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 779990 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 779994 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 779995 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 780023 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 780044 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 780370 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 780379 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 780506 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 780524 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 780604 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 780732 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 780827 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 781375 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 781923 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 781985 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 782313 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 782368 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 782509 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 782577 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 782816 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 782854 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 783054 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 783105 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 783138 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 783543 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 783599 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 783651 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 783983 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 784012 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 784091 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 784133 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 784274 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 784562 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 784774 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 784974 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 784995 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 785095 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 785578 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 785589 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 785735 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 785783 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 786015 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 786064 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 786262 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 786297 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 786443 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 786577 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 786601 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 786610 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 786725 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 786776 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 786946 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 787164 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 787165 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 789757 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 790369 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 790387 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 790478 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 790784 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 790794 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 790858 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 790990 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 791275 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 791589 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 791845 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 791848 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 791877 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 791942 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 791968 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 792073 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 792251 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 792424 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 792433 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 792438 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 792552 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 792731 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 792746 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 792764 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 792769 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 792780 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 792812 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 792929 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 793135 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 793196 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 793275 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 793308 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 793320 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 793321 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 793641 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 793769 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 793790 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 793849 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 793900 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 794107 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 794274 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 794593 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 794607 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 794640 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 794645 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 794689 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 794779 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 794808 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 794826 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 794829 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 795046 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 795051 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 795057 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 795074 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 795084 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 795100 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 795122 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 795134 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 795177 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 795461 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 795538 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 795569 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 795680 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 795704 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 795980 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 796068 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 796232 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 796388 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 796424 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 796550 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 796594 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 796637 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 796742 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 797156 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 797180 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 797189 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 797436 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 797441 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 797490 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 797603 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 798095 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 798223 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 798400 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 798445 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 798745 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 798899 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 799873 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 802603 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 803090 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 803107 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 803929 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 804023 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 807381 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 807552 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 808547 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 808973 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 808976 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 809028 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 809030 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 809039 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 809106 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 809147 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 809156 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 809235 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 832946 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 834022 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835219 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835592 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 836736 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836971 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 837042 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 837142 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837205 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 837220 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837233 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 837258 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837301 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837324 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837361 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 837398 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 837438 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837439 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837681 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 837846 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 837878 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838276 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838466 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 838526 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842100 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |

---

## Exhibit 99.6

**EXHIBIT 99.6** 

**AMC VALUATION REPORT**

![](tm2529005d1_ex99-6img001.jpg)

**Valuation Report**

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **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** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA 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** | **Scope** |
| xxxxxx | 771424 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/10/2022 | 05/09/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 770863 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/26/2022 | 04/22/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 770887 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/09/2022 | 05/07/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 770888 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/11/2022 | 05/10/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 | Mortgagor Focused |
| xxxxxx | 770866 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/05/2022 | 04/21/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/21/2022 | 04/21/2022 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 | Mortgagor Focused |
| xxxxxx | 770862 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/23/2022 | 04/22/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 | Mortgagor Focused |
| xxxxxx | 770881 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/11/2022 | 04/12/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 | Mortgagor Focused |
| xxxxxx | 770867 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/03/2022 | 04/26/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/03/2022 | 04/26/2022 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 | Mortgagor Focused |
| xxxxxx | 771635 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/16/2022 | 05/13/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 771007 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/19/2022 | 05/13/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 771009 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/09/2022 | 05/06/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 772242 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/27/2022 | 05/11/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/31/2022 | 05/11/2022 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 | Mortgagor Focused |
| xxxxxx | 772289 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/15/2022 | 04/11/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 68.420% | 05/23/2022 | 05/23/2022 | BPO | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 772264 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/27/2022 | 05/26/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 771658 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/26/2022 | 05/24/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 771983 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/02/2022 | 05/26/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/09/2022 | 05/26/2022 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 771755 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/06/2022 | 05/31/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 | Mortgagor Focused |
| xxxxxx | 772200 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/02/2022 | 04/29/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/14/2022 | 04/29/2022 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.60 | Mortgagor Focused |
| xxxxxx | 772315 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/06/2022 | 05/28/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/06/2022 | 05/28/2022 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 772271 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/14/2022 | 06/09/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 | Mortgagor Focused |
| xxxxxx | 772276 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/15/2022 | 06/11/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -1.960% | 06/15/2022 | 06/11/2022 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 772304 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/25/2022 | 05/18/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/24/2022 | 05/18/2022 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 999.00 | Mortgagor Focused |
| xxxxxx | 770874 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/28/2022 | 04/08/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 772265 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/08/2022 | 06/05/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 770905 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/30/2022 | 06/23/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 0.920% | 07/14/2022 | 07/14/2022 | BPO | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 0.920% | xxxxxx | 07/14/2022 |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 772327 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/15/2022 | 03/31/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 | Mortgagor Focused |
| xxxxxx | 772261 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/13/2022 | 06/10/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/16/2022 | 06/10/2022 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 | Mortgagor Focused |
| xxxxxx | 772244 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/23/2022 | 05/25/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/27/2022 | 05/25/2022 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.90 | Mortgagor Focused |
| xxxxxx | 773661 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/06/2022 | 01/12/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/09/2022 | 01/12/2022 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.40 | Mortgagor Focused |
| xxxxxx | 773650 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/23/2022 | 06/22/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/28/2022 | 06/22/2022 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.50 | Mortgagor Focused |
| xxxxxx | 773648 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/06/2022 | 07/02/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 | Mortgagor Focused |
| xxxxxx | 773679 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/13/2022 | 03/17/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/29/2022 | 03/17/2022 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 773677 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/07/2022 | 07/06/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 | Mortgagor Focused |
| xxxxxx | 774281 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/24/2022 | 05/18/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -4.220% | 06/13/2022 | 05/18/2022 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 772325 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/29/2022 | 06/14/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/27/2022 | 06/14/2022 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.60 | Mortgagor Focused |
| xxxxxx | 772333 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/05/2022 | 06/18/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 773667 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/12/2022 | 06/29/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 773662 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/16/2022 | 06/16/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 774303 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/05/2022 | 07/01/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 | Mortgagor Focused |
| xxxxxx | 772941 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/19/2022 | 07/13/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.40 | Mortgagor Focused |
| xxxxxx | 774285 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/20/2022 | 06/24/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 | Property Focused |
| xxxxxx | 772314 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/14/2022 | 06/15/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/24/2022 | 06/15/2022 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.60 | Mortgagor Focused |
| xxxxxx | 774308 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/13/2022 | 07/08/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 774247 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/27/2022 | 06/24/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 | Mortgagor Focused |
| xxxxxx | 775926 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/17/2022 | 07/13/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.10 | Property Focused |
| xxxxxx | 767968 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/23/2022 | 05/12/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/20/2022 | 05/12/2022 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 773680 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/11/2022 | 05/11/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/30/2022 | 05/11/2022 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 774462 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/30/2022 | 06/24/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/21/2022 | 06/24/2022 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 776159 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/21/2022 | 06/27/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/07/2022 | 06/27/2022 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 775643 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/08/2022 | 06/08/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 | Mortgagor Focused |
| xxxxxx | 775740 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/27/2022 | 07/27/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 | Mortgagor Focused |
| xxxxxx | 774307 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/05/2022 | 07/05/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 |  | Mortgagor Focused |
| xxxxxx | 775085 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/26/2022 | 07/21/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 774650 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/08/2022 | 07/05/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/18/2022 | 07/05/2022 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.60 | Mortgagor Focused |
| xxxxxx | 774250 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/20/2022 | 06/22/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/14/2022 | 06/22/2022 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 774277 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/27/2022 | 07/15/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/26/2022 | 07/15/2022 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.60 | Mortgagor Focused |
| xxxxxx | 775579 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/15/2022 | 06/13/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/28/2022 | 06/13/2022 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 775838 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/15/2022 | 06/27/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -5.410% | 08/01/2022 | 06/27/2022 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 775843 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/15/2022 | 06/27/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/01/2022 | 06/27/2022 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 776003 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/09/2022 | 07/07/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/22/2022 | 07/07/2022 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 | Mortgagor Focused |
| xxxxxx | 775166 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/22/2022 | 07/21/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 771697 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/07/2022 | 06/08/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/28/2022 | 06/08/2022 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 775923 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/05/2022 | 08/03/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/05/2022 | 08/03/2022 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 3.30 | Mortgagor Focused |
| xxxxxx | 776227 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/27/2022 | 07/26/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/09/2022 | 07/26/2022 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 775587 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/31/2022 | 07/21/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/01/2022 | 07/21/2022 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 776581 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/04/2022 | 08/04/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/08/2022 | 08/04/2022 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 | Mortgagor Focused |
| xxxxxx | 776410 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/29/2022 | 07/25/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 | Mortgagor Focused |
| xxxxxx | 772323 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/08/2022 | 08/05/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.50 | Property Focused |
| xxxxxx | 775881 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/03/2022 | 07/29/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/04/2022 | 07/29/2022 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.60 | Mortgagor Focused |
| xxxxxx | 773664 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/09/2022 | 08/08/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 | Mortgagor Focused |
| xxxxxx | 774898 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/18/2022 | 07/20/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 776817 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/19/2022 | 07/25/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -9.500% | 08/09/2022 | 07/25/2022 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.60 | Mortgagor Focused |
| xxxxxx | 775590 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/19/2022 | 07/28/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/01/2022 | 07/28/2022 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.50 | Mortgagor Focused |
| xxxxxx | 776412 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/15/2022 | 08/11/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 776892 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/24/2022 | 06/21/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/19/2022 | 06/21/2022 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 | Mortgagor Focused |
| xxxxxx | 777361 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/09/2022 | 08/08/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 | Mortgagor Focused |
| xxxxxx | 776762 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/16/2022 | 08/08/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/17/2022 | 08/08/2022 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 999.00 | Mortgagor Focused |
| xxxxxx | 775269 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/31/2022 | 07/27/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.00 | Mortgagor Focused |
| xxxxxx | 777698 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/22/2022 | 07/25/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/29/2022 | 07/25/2022 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 776969 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/26/2022 | 08/13/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/29/2022 | 08/13/2022 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 775155 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/07/2022 | 07/27/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/04/2022 | 07/27/2022 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.70 | Property Focused |
| xxxxxx | 777895 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/31/2022 | 08/24/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/06/2022 | 08/24/2022 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 776356 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/21/2022 | 07/19/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 | Mortgagor Focused |
| xxxxxx | 778173 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/04/2022 | 08/03/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/15/2022 | 08/03/2022 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 777312 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/26/2022 | 08/16/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 777718 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/29/2022 | 08/23/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.50 | Mortgagor Focused |
| xxxxxx | 777156 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/06/2022 | 08/31/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 773534 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/16/2022 | 08/02/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/23/2022 | 08/02/2022 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 777078 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/31/2022 | 08/31/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 | Mortgagor Focused |
| xxxxxx | 777472 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/24/2022 | 08/21/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 | Mortgagor Focused |
| xxxxxx | 778123 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/03/2022 | 05/27/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/14/2022 | 05/27/2022 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 777077 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/11/2022 | 07/01/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/13/2022 | 07/01/2022 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 776853 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/03/2022 | 06/13/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/05/2022 | 06/13/2022 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 | Mortgagor Focused |
| xxxxxx | 778919 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/30/2022 | 08/30/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 | Mortgagor Focused |
| xxxxxx | 777429 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/31/2022 | 07/22/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/18/2022 | 07/22/2022 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | Mortgagor Focused |
| xxxxxx | 776857 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/05/2022 | 08/03/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/17/2022 | 08/03/2022 | Desk Review | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 | Mortgagor Focused |
| xxxxxx | 776854 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/02/2022 | 06/01/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/12/2022 | 06/01/2022 | Desk Review | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 778077 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $50000.00 | 0.000% | xxxxxx | 07/07/2022 | 06/29/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/22/2022 | 09/21/2022 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  | xxxxxx | xxxxxxx | 1.390% | xxxxxx | Low | 09/09/2022 | 06/29/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 777220 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/30/2022 | 08/29/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/27/2022 | 08/29/2022 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.60 | Mortgagor Focused |
| xxxxxx | 776616 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/14/2022 | 08/23/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.00 | Property Focused |
| xxxxxx | 778859 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/16/2022 | 08/25/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 777704 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/27/2022 | 08/26/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/06/2022 | 08/26/2022 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 | Mortgagor Focused |
| xxxxxx | 779185 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/30/2022 | 08/25/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -7.000% | 09/02/2022 | 08/25/2022 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 775461 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/11/2022 | 08/02/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/10/2022 | 08/02/2022 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 | Mortgagor Focused |
| xxxxxx | 777734 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/19/2022 | 09/13/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.20 | Mortgagor Focused |
| xxxxxx | 778469 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/23/2022 | 03/16/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/26/2022 | 03/16/2022 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 777437 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/30/2022 | 08/17/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/30/2022 | 08/17/2022 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.30 | Mortgagor Focused |
| xxxxxx | 778480 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/06/2022 | 09/12/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/21/2022 | 09/12/2022 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 779725 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/06/2022 | 09/14/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -4.300% | 09/23/2022 | 09/14/2022 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 778702 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/26/2022 | 09/24/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 | Mortgagor Focused |
| xxxxxx | 779136 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/05/2022 | 10/03/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/05/2022 | 10/03/2022 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 | Mortgagor Focused |
| xxxxxx | 777848 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $23000.00 | 0.000% | xxxxxx | 09/26/2022 | 09/09/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/03/2022 | 09/28/2022 | Drive By | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.70 | Mortgagor Focused |
| xxxxxx | 777248 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/20/2022 | 09/03/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/13/2022 | 09/03/2022 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 779279 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/24/2022 | 05/20/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 |  | Mortgagor Focused |
| xxxxxx | 779735 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/19/2022 | 07/07/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 | Property Focused |
| xxxxxx | 776595 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/03/2022 | 06/22/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 6.450% | 08/08/2022 |  | Automated Valuation Estimator (AVE) / Comparative Market Analysis (CMA) | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 | Mortgagor Focused |
| xxxxxx | 779558 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/19/2022 | 10/14/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/19/2022 | 10/14/2022 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 | Property Focused |
| xxxxxx | 779081 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/20/2022 | 10/10/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/18/2022 | 10/10/2022 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.90 | Mortgagor Focused |
| xxxxxx | 780524 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/19/2022 | 10/19/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 | Mortgagor Focused |
| xxxxxx | 780604 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/04/2022 | 09/29/2022 | Appraisal |  | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.00 | Mortgagor Focused |
| xxxxxx | 780732 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/03/2022 | 10/28/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 | Mortgagor Focused |
| xxxxxx | 780379 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/27/2022 | 10/26/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -6.110% | 10/31/2022 | 10/26/2022 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 | Mortgagor Focused |
| xxxxxx | 781375 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/01/2022 | 10/31/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/04/2022 | 10/31/2022 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.40 | Mortgagor Focused |
| xxxxxx | 779990 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/12/2022 | 08/10/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/15/2022 | 08/10/2022 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -4.010% | xxxxxx | 08/18/2022 |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 779994 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/10/2022 | 08/05/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/15/2022 | 08/05/2022 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -15.680% | xxxxxx | 08/17/2022 |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 779950 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/12/2022 | 08/31/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/20/2022 | 08/31/2022 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 1.790% |  | 09/06/2022 |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 779964 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/01/2022 | 08/25/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/05/2022 | 08/25/2022 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 23.970% | xxxxxx | 09/07/2022 |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 780023 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/11/2022 | 08/31/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/04/2022 | 08/31/2022 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -4.950% | xxxxxx | 09/12/2022 |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 779985 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/20/2022 | 08/15/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/19/2022 | 08/15/2022 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -3.910% |  | 08/24/2022 |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 779977 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/12/2022 | 08/08/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/25/2022 | 08/08/2022 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 779980 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/25/2022 | 08/23/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/25/2022 | 08/23/2022 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 4.200% |  | 08/29/2022 |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 779995 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/21/2022 | 08/30/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/25/2022 | 08/30/2022 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 780044 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/23/2022 | 08/10/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/10/2022 | 08/10/2022 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 8.080% | xxxxxx | 08/18/2022 |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 778448 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/07/2022 | 08/30/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/12/2022 | 08/30/2022 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 781985 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/09/2022 | 10/21/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.50 | Property Focused |
| xxxxxx | 780827 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/09/2022 | 11/04/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/08/2022 | 11/04/2022 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.70 | Property Focused |
| xxxxxx | 780370 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/11/2022 | 10/06/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/20/2022 | 10/06/2022 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 | Property Focused |
| xxxxxx | 780506 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/01/2022 | 11/02/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 12/02/2022 | 11/02/2022 | Desk Review | xxxxxx |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.50 | Property Focused |
| xxxxxx | 783054 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/16/2022 | 11/03/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/11/2022 | 11/03/2022 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 782577 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 01/17/2023 | 10/25/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 | Mortgagor Focused |
| xxxxxx | 782816 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/08/2022 | 12/07/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 | Mortgagor Focused |
| xxxxxx | 781923 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/25/2022 | 10/21/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 | Mortgagor Focused |
| xxxxxx | 782313 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/19/2022 | 11/14/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 782854 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/12/2022 | 12/12/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 12/19/2022 | 12/12/2022 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.70 | Property Focused |
| xxxxxx | 782368 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/01/2022 | 11/28/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 12/29/2022 | 11/28/2022 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 782509 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/08/2022 | 12/07/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 783543 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 01/05/2023 | 12/28/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 783651 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/23/2023 | 12/16/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -7.020% | 02/27/2023 | 12/16/2022 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 784562 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/09/2022 | 11/07/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 12/30/2022 | 11/07/2022 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -6.570% | xxxxxx | 11/16/2022 |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 784012 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 01/11/2023 | 01/06/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 01/27/2023 | 01/06/2023 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 783599 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 01/11/2023 | 01/09/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 01/11/2023 | 01/09/2023 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 783105 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 01/31/2023 | 12/27/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.30 | Property Focused |
| xxxxxx | 783983 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 01/11/2023 | 12/19/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 01/18/2023 | 12/19/2022 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 784974 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/28/2021 | 11/18/2021 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 12/01/2021 | 11/18/2021 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 783138 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/29/2022 | 12/28/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 784091 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/14/2023 | 01/09/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/03/2023 | 01/09/2023 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.40 | Property Focused |
| xxxxxx | 784274 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 01/30/2023 | 01/19/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 785783 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/22/2023 | 02/21/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 4.260% | 02/27/2023 | 02/21/2023 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 785735 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/15/2023 | 02/03/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/13/2023 | 02/03/2023 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 786297 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/25/2023 | 02/24/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 | Mortgagor Focused |
| xxxxxx | 786064 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/03/2023 | 02/10/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/14/2023 | 02/10/2023 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 | Property Focused |
| xxxxxx | 786776 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/16/2023 | 02/14/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/20/2023 | 02/14/2023 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 785095 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/27/2023 | 02/16/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 785578 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/21/2023 | 03/10/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/17/2023 | 03/10/2023 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 785589 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/21/2023 | 02/13/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -2.560% | 03/23/2023 | 03/06/2023 | BPO | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -2.560% | xxxxxx | 03/23/2023 | 03/06/2023 |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 786610 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/01/2023 | 02/23/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 | Mortgagor Focused |
| xxxxxx | 784133 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/06/2023 | 02/06/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/17/2023 | 02/06/2023 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.60 | Mortgagor Focused |
| xxxxxx | 786601 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/27/2023 | 02/13/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/12/2023 | 02/13/2023 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 784995 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/23/2023 | 02/13/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/23/2023 | 02/13/2023 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 787164 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/27/2023 | 03/24/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/29/2023 | 03/24/2023 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 787165 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/27/2023 | 03/24/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/29/2023 | 03/24/2023 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 786725 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/25/2023 | 03/17/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 786015 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/06/2023 | 02/27/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/09/2023 | 02/27/2023 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.20 | Property Focused |
| xxxxxx | 786577 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/13/2023 | 02/23/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.50 | Mortgagor Focused |
| xxxxxx | 786443 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/28/2023 | 03/18/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/24/2023 | 03/18/2023 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 | Mortgagor Focused |
| xxxxxx | 786262 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/14/2023 | 03/24/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/29/2023 | 03/24/2023 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.60 | Property Focused |
| xxxxxx | 786946 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/14/2023 | 02/28/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/12/2023 | 02/28/2023 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.80 | Property Focused |
| xxxxxx | 784774 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/07/2023 | 02/06/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 |  | Mortgagor Focused |
| xxxxxx | 789757 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/26/2023 | 05/18/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 | Property Focused |
| xxxxxx | 790794 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/08/2023 | 05/01/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 0.900% | 06/09/2023 | 05/10/2023 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 0.900% | xxxxxx | Low | 06/06/2023 | 05/10/2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.40 | Mortgagor Focused |
| xxxxxx | 790387 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/23/2023 | 05/03/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/30/2023 | 05/03/2023 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 790478 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/16/2023 | 06/07/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/16/2023 | 06/07/2023 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 791275 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/09/2023 | 05/30/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 791877 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/24/2023 | 05/11/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 3.170% | 05/08/2023 | 05/05/2023 | BPO | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 790369 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/19/2023 | 06/23/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/17/2023 | 06/23/2023 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 791968 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/29/2023 | 06/05/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/28/2023 | 06/05/2023 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 790858 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/08/2023 | 06/05/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/22/2023 | 06/05/2023 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 790784 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/14/2023 | 01/23/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/15/2023 | 01/23/2023 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 792731 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/20/2023 | 06/19/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/07/2023 | 06/19/2023 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 791942 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/15/2023 | 06/12/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 791845 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/18/2023 | 06/14/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 792812 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/15/2023 | 06/11/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/22/2023 | 06/11/2023 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 792746 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/14/2023 | 06/09/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/23/2023 | 06/09/2023 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 790990 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/28/2023 | 04/24/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 4.170% | 07/27/2023 | 04/24/2023 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 792769 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/21/2023 | 06/21/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 792764 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/18/2023 | 06/11/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/22/2023 | 06/11/2023 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 792424 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/14/2023 | 04/04/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/17/2023 | 04/04/2023 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 792438 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/19/2023 | 06/14/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.60 | Mortgagor Focused |
| xxxxxx | 793790 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/07/2023 | 06/30/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 792780 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/12/2023 | 07/02/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 794107 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/12/2023 | 07/07/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 792433 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/29/2023 | 06/27/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/05/2023 | 06/27/2023 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.80 | Mortgagor Focused |
| xxxxxx | 792552 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/10/2023 | 07/08/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/12/2023 | 07/08/2023 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 793275 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/03/2023 | 06/29/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 | Property Focused |
| xxxxxx | 792073 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/21/2023 | 07/01/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/21/2023 | 07/01/2023 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 792929 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/09/2023 | 06/02/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -6.670% | 07/18/2023 | 06/02/2023 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 794779 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/24/2023 | 07/21/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/25/2023 | 07/21/2023 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 794640 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/05/2023 | 07/01/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/11/2023 | 07/01/2023 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 794645 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/06/2023 | 07/05/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -0.540% | 07/11/2023 | 07/05/2023 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 794607 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/10/2023 | 06/10/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/13/2023 | 06/10/2023 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 794593 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/08/2023 | 05/05/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/08/2023 | 05/05/2023 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.00 | Mortgagor Focused |
| xxxxxx | 794808 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/21/2023 | 05/12/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 5.270% | 07/25/2023 | 05/26/2021 | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 791848 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/25/2023 | 06/23/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 | Mortgagor Focused |
| xxxxxx | 793769 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/21/2023 | 06/07/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 | Property Focused |
| xxxxxx | 794829 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/31/2023 | 07/31/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 | Mortgagor Focused |
| xxxxxx | 793196 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/22/2023 | 07/19/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.80 | Mortgagor Focused |
| xxxxxx | 793641 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/03/2023 | 07/05/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/25/2023 | 07/05/2023 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 793320 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/29/2023 | 06/28/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 793308 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/21/2023 | 07/20/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 0.510% | 08/09/2023 | 08/09/2023 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.60 | Mortgagor Focused |
| xxxxxx | 793900 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/25/2023 | 07/24/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/03/2023 | 07/24/2023 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 | Mortgagor Focused |
| xxxxxx | 793321 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/01/2023 | 06/14/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/28/2023 | 06/14/2023 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.90 | Mortgagor Focused |
| xxxxxx | 795046 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/22/2022 | 11/18/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 12/05/2022 | 11/18/2022 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 795051 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/20/2022 | 12/19/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 12/22/2022 | 12/19/2022 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 795057 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  |  | 0.000% | xxxxxx |  |  |  | xxxxxx | xxxxxx |  |  | xxxxxx | $0.00 | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% |  |  |  |  |  | Property Focused |
| xxxxxx | 795074 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/07/2023 | 01/30/2023 | Appraisal | xxxxxx | xxxxxx | 30029212 |  | xxxxxx | $0.00 | 0.000% | 03/10/2023 | 01/30/2023 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 795084 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/13/2023 | 02/11/2023 | Appraisal | xxxxxx | xxxxxx | RD4714 |  | xxxxxx | $0.00 | 0.000% | 02/23/2023 | 02/11/2023 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 795100 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/23/2023 | 01/24/2023 | Hybrid Appraisal | xxxxxx | xxxxxx | L428780 |  | xxxxxx | xxxxxx | -4.170% | 03/11/2023 | 03/11/2023 | Desk Review | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 795122 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/27/2023 | 03/27/2023 | Appraisal | xxxxxx | xxxxxx | RZ1209 |  | xxxxxx | $0.00 | 0.000% | 03/31/2023 | 03/27/2023 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 795134 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/04/2023 | 05/03/2023 | Appraisal | xxxxxx | xxxxxx | RD3770 |  | xxxxxx | xxxxxx | -1.590% | 05/08/2023 | 05/03/2023 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 795177 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/14/2023 | 06/29/2023 | Appraisal | xxxxxx | xxxxxx | CR246506 |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 | Property Focused |
| xxxxxx | 794689 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/25/2023 | 07/20/2023 | Appraisal | xxxxxx | xxxxxx | RD6953 |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 | Property Focused |
| xxxxxx | 796068 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/30/2023 | 06/08/2023 | Appraisal | xxxxxx | xxxxxx | 42RC00283300 |  | xxxxxx | $0.00 | 0.000% | 09/06/2023 | 06/08/2023 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 792251 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/10/2023 | 07/07/2023 | Appraisal | xxxxxx | xxxxxx | 42RG00020100 |  | xxxxxx | $0.00 | 0.000% | 07/24/2023 | 07/07/2023 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 794826 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/18/2023 | 07/15/2023 | Appraisal | xxxxxx | xxxxxx | 3009825 |  | xxxxxx | $0.00 | 0.000% | 07/24/2023 | 07/15/2023 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.60 | Mortgagor Focused |
| xxxxxx | 795538 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/07/2023 | 08/04/2023 | Appraisal | xxxxxx | xxxxxx | RD6953 |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 | Property Focused |
| xxxxxx | 793849 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $180000.00 | 25.000% | xxxxxx | 08/18/2023 | 08/05/2023 | Appraisal | xxxxxx | xxxxxx | 45000043245 |  | xxxxxx | $0.00 | 0.000% | 08/21/2023 | 08/19/2023 | BPO | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 795569 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/15/2023 | 08/14/2023 | Appraisal | xxxxxx | xxxxxx | RCR.0000873 |  | xxxxxx | $0.00 | 0.000% | 08/22/2023 | 08/14/2023 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 796388 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/29/2023 | 08/14/2023 | Appraisal | xxxxxx | xxxxxx | RD7672 |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 | Property Focused |
| xxxxxx | 796232 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/18/2023 | 08/17/2023 | Appraisal | xxxxxx | xxxxxx | RD8505 |  | xxxxxx | $0.00 | 0.000% | 08/31/2023 | 08/17/2023 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 793135 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/25/2023 | 08/08/2023 | Appraisal | xxxxxx | xxxxxx | 2555 |  | xxxxxx | $0.00 | 0.000% | 08/25/2023 | 08/08/2023 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 797180 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/29/2023 | 08/29/2023 | Appraisal | xxxxxx | xxxxxx | AL013746 |  | xxxxxx | $0.00 | 0.000% | 09/12/2023 | 08/29/2023 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 795980 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/30/2023 | 08/29/2023 | Appraisal | xxxxxx | xxxxxx | A6283 |  | xxxxxx | $0.00 | 0.000% | 10/06/2023 | 08/29/2023 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 795680 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/29/2023 | 08/28/2023 | Appraisal | xxxxxx | xxxxxx | 1204003019 |  | xxxxxx | $0.00 | 0.000% | 09/01/2023 | 08/28/2023 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 796424 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/29/2023 | 08/17/2023 | Appraisal | xxxxxx | xxxxxx | RD7715 |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 | Property Focused |
| xxxxxx | 796594 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/07/2023 | 08/21/2023 | Appraisal | xxxxxx | xxxxxx | 3004427 |  | xxxxxx | xxxxxx | -2.940% | 09/12/2023 | 08/21/2023 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 | Mortgagor Focused |
| xxxxxx | 797490 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/28/2022 | 06/21/2022 | Appraisal | xxxxxx | xxxxxx | 1205076885 |  | xxxxxx | $0.00 | 0.000% | 06/28/2022 | 06/21/2022 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -16.980% | xxxxxx | 11/02/2023 |  |  |  |  |  | xxxxxx | xxxxxx | -16.980% | xxxxxx | 11/02/2023 | 10/27/2023 |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 798223 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/20/2023 | 06/27/2023 | Appraisal | xxxxxx | xxxxxx | 4001006764 |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 797603 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/10/2023 | 08/03/2023 | Appraisal | xxxxxx | xxxxxx | 45000047286 |  | xxxxxx | $0.00 | 0.000% | 08/18/2023 | 08/03/2023 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 | Property Focused |
| xxxxxx | 797441 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/07/2023 | 09/04/2023 | Appraisal | xxxxxx | xxxxxx | 1338674 |  | xxxxxx | $0.00 | 0.000% | 09/14/2023 | 09/04/2023 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 | Property Focused |
| xxxxxx | 794274 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/18/2023 | 04/17/2023 | Appraisal | xxxxxx | xxxxxx | 1326142 |  | xxxxxx | $0.00 | 0.000% | 05/24/2023 | 04/17/2023 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 | Property Focused |
| xxxxxx | 797189 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/23/2023 | 06/11/2023 | Appraisal | xxxxxx | xxxxxx | 47000049040 |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Property Focused |
| xxxxxx | 796550 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/15/2023 | 08/29/2023 | Appraisal | xxxxxx | xxxxxx | RD7459 |  | xxxxxx | $0.00 | 0.000% | 09/08/2023 | 08/29/2023 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 | Property Focused |
| xxxxxx | 795704 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/17/2023 | 08/08/2023 | Appraisal | xxxxxx | xxxxxx | RD6178 |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 796637 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/13/2023 | 09/09/2023 | Appraisal | xxxxxx | xxxxxx | 22550 |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 795461 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/05/2023 | 08/18/2023 | Appraisal | xxxxxx | xxxxxx | SLA 0001418 |  | xxxxxx | $0.00 | 0.000% | 08/24/2023 | 08/18/2023 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 798445 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/24/2023 | 05/18/2023 | Appraisal | xxxxxx | xxxxxx | 45000005935 |  | xxxxxx | $0.00 | 0.000% | 09/22/2023 | 05/18/2023 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 796742 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $100.00 | 0.030% | xxxxxx | 09/12/2023 | 09/09/2023 | Appraisal | xxxxxx | xxxxxx | 1036663 |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.30 | Property Focused |
| xxxxxx | 797156 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/12/2023 | 09/13/2023 | Appraisal | xxxxxx | xxxxxx | 30012862 |  | xxxxxx | $0.00 | 0.000% | 09/28/2023 | 09/13/2023 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 | Property Focused |
| xxxxxx | 791589 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/28/2023 | 06/20/2023 | Appraisal | xxxxxx | xxxxxx | RD7628 |  | xxxxxx | $0.00 | 0.000% | 08/29/2023 | 06/20/2023 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 798400 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/29/2023 | 08/05/2023 | Appraisal | xxxxxx | xxxxxx | 42RG00119800 |  | xxxxxx | $0.00 | 0.000% | 11/10/2023 | 08/05/2023 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 798745 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/04/2023 | 08/31/2023 | Appraisal | xxxxxx | xxxxxx | 556.004102 |  | xxxxxx | $0.00 | 0.000% | 09/06/2023 | 08/31/2023 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 797436 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/11/2023 | 09/09/2023 | Appraisal | xxxxxx | xxxxxx | 46000046461 |  | xxxxxx | $0.00 | 0.000% | 10/05/2023 | 09/09/2023 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 798095 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/30/2023 | 09/11/2023 | Appraisal | xxxxxx | xxxxxx | AR041540 |  | xxxxxx | $0.00 | 0.000% | 12/01/2023 | 09/11/2023 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 798899 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/13/2023 | 10/12/2023 | Appraisal | xxxxxx | xxxxxx | RD6559 |  | xxxxxx | $0.00 | 0.000% | 10/31/2023 | 10/12/2023 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 799873 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/27/2023 | 10/17/2023 | Appraisal | xxxxxx | xxxxxx | CR40000038 |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 | Property Focused |
| xxxxxx | 802603 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/15/2023 | 11/10/2023 | Appraisal | xxxxxx | xxxxxx | 1361474 |  | xxxxxx | $0.00 | 0.000% | 12/29/2023 | 11/10/2023 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 803090 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/01/2023 | 11/30/2023 | Appraisal | xxxxxx | xxxxxx | AR015681 |  | xxxxxx | $0.00 | 0.000% | 01/19/2024 | 11/30/2023 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 804023 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/02/2023 | 09/29/2023 | Appraisal | xxxxxx | xxxxxx | 1360636 |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.60 | Property Focused |
| xxxxxx | 803929 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/20/2023 | 09/08/2023 | Appraisal | xxxxxx | xxxxxx | RCR.0000387 |  | xxxxxx | $0.00 | 0.000% | 10/04/2023 | 09/08/2023 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 803107 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 01/18/2024 | 12/20/2023 | Appraisal | xxxxxx | xxxxxx | 42RC00246100 |  | xxxxxx | $0.00 | 0.000% | 01/30/2024 | 12/20/2023 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 807381 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/09/2024 | 02/06/2024 | Appraisal | xxxxxx | xxxxxx | 42RC00192900 |  | xxxxxx | $0.00 | 0.000% | 03/01/2024 | 02/06/2024 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 808973 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/21/2024 | 02/19/2024 | Appraisal | xxxxxx | xxxxxx | RD143 |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 809156 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/21/2024 | 02/19/2024 | Appraisal | xxxxxx | xxxxxx | 42RC00277600 |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 808976 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/01/2024 | 02/26/2024 | Appraisal | xxxxxx | xxxxxx | RZ1167 |  | xxxxxx | $0.00 | 0.000% | 03/01/2024 | 02/26/2024 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 808547 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/13/2024 | 03/01/2024 | Appraisal | xxxxxx | xxxxxx | RD7854 |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 | Property Focused |
| xxxxxx | 809030 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/29/2024 | 02/20/2024 | Appraisal | xxxxxx | xxxxxx | RD8824 |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.40 | Mortgagor Focused |
| xxxxxx | 809147 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 01/03/2024 | 11/22/2023 | Appraisal | xxxxxx | xxxxxx | 45000046200 |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 809235 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/21/2024 | 02/19/2024 | Appraisal | xxxxxx | xxxxxx | RD5190 |  | xxxxxx | $0.00 | 0.000% | 02/22/2024 | 02/19/2024 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 809028 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/01/2024 | 02/20/2024 | Appraisal | xxxxxx | xxxxxx | RD8824 |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.40 | Mortgagor Focused |
| xxxxxx | 809106 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 01/31/2024 | 01/30/2024 | Appraisal | xxxxxx | xxxxxx | 1046803 |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 | Mortgagor Focused |
| xxxxxx | 809039 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/07/2024 | 03/06/2024 | Appraisal | xxxxxx | xxxxxx | RD6658 |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 807552 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/21/2024 | 02/19/2024 | Appraisal | xxxxxx | xxxxxx | 1360883 |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 | Mortgagor Focused |
| xxxxxx | 832946 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/17/2025 | 03/13/2025 | Appraisal | xxxxxx | xxxxxx | 3008205 |  | xxxxxx | $0.00 | 0.000% | 03/20/2025 | 03/13/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 835592 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/05/2025 | 04/02/2025 | Appraisal | xxxxxx | xxxxxx | 3001858 |  | xxxxxx | $0.00 | 0.000% | 04/09/2025 | 04/02/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.00 | Mortgagor Focused |
| xxxxxx | 837258 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/03/2025 | 04/03/2025 | Appraisal | xxxxxx | xxxxxx | AR038561 |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 837233 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/20/2025 | 04/16/2025 | Appraisal | xxxxxx | xxxxxx | 1360667 |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.20 | Mortgagor Focused |
| xxxxxx | 836736 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/18/2025 | 04/15/2025 | Appraisal | xxxxxx | xxxxxx | AR035633 |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 837142 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/18/2025 | 04/08/2025 | Appraisal | xxxxxx | xxxxxx | CR40038376 |  | xxxxxx | $0.00 | 0.000% | 04/29/2025 | 04/08/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 836971 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/14/2025 | 03/14/2025 | AVM | xxxxxx | xxxxxx |  | 0.09 | xxxxxx | xxxxxx | 4.230% | 03/14/2025 | 03/14/2025 | AVM | xxxxxx | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 837438 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/02/2025 | 04/24/2025 | Appraisal | xxxxxx | xxxxxx | 4260 |  | xxxxxx | $0.00 | 0.000% | 05/07/2025 | 04/24/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 837220 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/22/2025 | 04/17/2025 | Appraisal | xxxxxx | xxxxxx | 3004662 |  | xxxxxx | $0.00 | 0.000% | 05/06/2025 | 04/17/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 837301 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/22/2025 | 04/28/2025 | Appraisal | xxxxxx | xxxxxx | 4001017761 |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 837042 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/03/2025 | 04/03/2025 | Appraisal | xxxxxx | xxxxxx | 46000000236 |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 837205 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/11/2025 | 04/07/2025 | Appraisal | xxxxxx | xxxxxx | 1037394 |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 837439 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/13/2025 | 04/22/2025 | Appraisal | xxxxxx | xxxxxx | 1039981 |  | xxxxxx | $0.00 | 0.000% | 06/07/2025 | 04/22/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 837361 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/19/2025 | 03/18/2025 | Appraisal | xxxxxx | xxxxxx | AR036683 |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 837398 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/22/2025 | 04/18/2025 | Appraisal | xxxxxx | xxxxxx | AL031521 |  | xxxxxx | xxxxxx | 0.850% | 04/30/2025 | 04/29/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 | Mortgagor Focused |
| xxxxxx | 837878 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/24/2025 | 04/17/2025 | Appraisal | xxxxxx | xxxxxx | RD5731 |  | xxxxxx | $0.00 | 0.000% | 04/30/2025 | 04/17/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 834022 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/08/2025 | 03/25/2025 | Appraisal | xxxxxx | xxxxxx | 1361160 |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 837324 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/22/2025 | 05/14/2025 | Appraisal | xxxxxx | xxxxxx | AR027024 |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 838526 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/25/2025 | 04/23/2025 | Appraisal | xxxxxx | xxxxxx | 45000047872 |  | xxxxxx | $0.00 | 0.000% | 04/28/2025 | 04/23/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 835219 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/23/2025 | 05/29/2025 | Appraisal | xxxxxx | xxxxxx | 45000048726 |  | xxxxxx | $0.00 | 0.000% | 07/17/2025 | 05/29/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 838276 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/14/2025 | 05/09/2025 | Appraisal | xxxxxx | xxxxxx | 4001017625 |  | xxxxxx | xxxxxx | 1.030% | 05/30/2025 | 05/30/2025 | AVM | xxxxxx | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  | Property Focused |
| xxxxxx | 837846 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/16/2025 | 04/16/2025 | AVM | xxxxxx |  |  | 0.12 | xxxxxx | xxxxxx | 7.150% | 06/09/2025 | 06/06/2025 | Drive By | xxxxxx |  |  | xxxxxx | xxxxxx | 14.730% | xxxxxx | 0.04 | 05/12/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 837681 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/17/2025 | 04/17/2025 | Appraisal | xxxxxx | xxxxxx | 45000050916 |  | xxxxxx | xxxxxx | -1.290% | 06/11/2025 | 06/11/2025 | AVM | xxxxxx | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 | Mortgagor Focused |
| xxxxxx | 838466 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/21/2025 | 05/21/2025 | AVM | xxxxxx |  |  | 0.09 | xxxxxx | xxxxxx | 4.340% | 05/14/2025 | 05/14/2025 | AVM | xxxxxx | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 842100 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/23/2025 | 06/20/2025 | Appraisal | xxxxxx | xxxxxx | CRA 0000142 |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.50 | Property Focused |

---

## Exhibit 99.7

**EXHIBIT 99.7** 

**AMC SUPPLEMENTAL DATA**

![](tm2529005d1_ex99-7img001.jpg)

**Supplemental Data**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **TILA Status Loan Designation** | **Exempt QM/ATR Equivalency** | **CDFI Bank Originated Loan** | **Application Date** | **TRID Tested** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **Monthly Property Tax** | **Monthly Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Document Type** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **Total DSCR** | **Total Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** | **Scope** |
| xxxxxx | 771424 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $10545.00 | $12537.93 | xxxxxx | 7.426% | $1995.91 | $1995.91 | 7.000% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4213.86 | 1 | xxxxxx | $1075.20 | xxxxxx | $89.60 |  |  |  |  |  | 44.989% | 44.989% | 44.989% | 04/20/2022 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10545.00 | xxxxxx | 5.380% | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $600.00 | 0.160% |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.19 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 770863 | xxxxxx | N/A |  |  | xxxxxx | No | No | $14609.38 | $11093.22 | xxxxxx | 7.782% | $3981.34 | $3981.34 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $16815.53 | 1 | xxxxxx | $719.76 | xxxxxx | $59.98 |  |  |  |  |  | 37.026% | 37.026% | 37.026% | 04/19/2022 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Business License - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2021 | [Borrower]; 4506-T - 2021<br> [Borrower]; 4506-T - 2020 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14609.38 | xxxxxx | 5.180% | $0.00 | 1 |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 2 | 0 |  |  | 15.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $319061.10 |  |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 68.84 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 770887 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7570.00 | $11215.66 | xxxxxx | 5.373% | $3394.21 | $3394.21 | 6.500% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $7901.11 | 1 | xxxxxx | $658.20 | xxxxxx | $54.85 |  |  |  |  |  | 38.273% | 43.379% | 38.273% | 05/03/2022 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7570.00 | xxxxxx | 4.420% | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $21783.60 | 3.040% |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | VISA |  |  |  |  | 5.23 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 770888 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $10753.75 | $17239.36 | xxxxxx | 6.688% | $4949.09 | $4949.09 | 6.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11526.49 | 1 | xxxxxx | $1302.00 | xxxxxx | $108.50 |  |  |  |  |  | 36.383% | 36.383% | 36.383% | 05/03/2022 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2021 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10753.75 | xxxxxx | 5.170% | $0.00 | 1.3 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 15.97 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $679890.19 | 52.090% |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.79 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 770866 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $10995.00 | $16624.84 | xxxxxx | 7.115% | $3875.88 | $3875.88 | 6.875% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $6449.43 | 1 | xxxxxx | $475.20 | xxxxxx | $39.60 | xxxxxx |  | $76.50 |  | Monthly | 43.880% | 43.880% | 43.880% | 04/18/2022 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10995.00 | xxxxxx | 5.180% | $0.00 | 2.6 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $224502.91 | 29.900% |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 8.09 |  |  | No | xxxxxx | $0.00 | $8223.72 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 770862 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $16212.50 | $12665.88 | xxxxxx | 7.033% | $4138.65 | $4138.65 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $17091.62 | 1 | xxxxxx | $895.20 | xxxxxx | $74.60 |  |  |  |  |  | 35.992% | 35.992% | 35.992% | 04/19/2022 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Business License - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2021 | [Borrower]; 4506-T - 2021<br> [Borrower]; 4506-T - 2020 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $16212.50 | xxxxxx | 5.180% | $0.00 | 1 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  |  | 15.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $213350.89 |  |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 44.17 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 770881 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $2145.00 | $5469.08 | xxxxxx | 7.194% | $4581.29 | $4581.29 | 7.125% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6430.14 | 1 | xxxxxx | $1164.96 | xxxxxx | $97.08 |  |  |  |  |  | 47.594% | 47.594% | 47.594% | 03/29/2022 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2145.00 | xxxxxx | 5.170% | $0.00 | 1.1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $14361.55 | 1.680% |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.47 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 770867 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7680.00 | $11014.50 | xxxxxx | 5.783% | $2516.56 | $2516.56 | 6.750% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $5021.13 | 1 | xxxxxx | $1309.20 | xxxxxx | $109.10 |  |  |  |  |  | 44.210% | 44.210% | 44.210% | 04/20/2022 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7680.00 | xxxxxx | 4.260% | $0.00 | 2.6 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $36004.61 | 7.420% |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 11.33 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 771635 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $10612.50 | $13882.59 | xxxxxx | 6.624% | $3253.48 | $3253.48 | 6.375% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6929.69 | 1 | xxxxxx | $864.00 | xxxxxx | $72.00 |  |  |  |  |  | 37.329% | 37.329% | 37.329% | 04/20/2022 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10612.50 | xxxxxx | 5.380% | $0.00 | 1 |  |  |  | N/A | No | 6.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $289171.96 | 37.550% |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.55 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 771007 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $19965.00 | $26327.87 | xxxxxx | 7.571% | $8951.15 | $8951.15 | 7.375% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $11272.50 | 1 | xxxxxx | $1529.16 | xxxxxx | $127.43 |  |  |  |  |  | 48.881% | 48.881% | 48.881% | 04/20/2022 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $19965.00 | xxxxxx | 5.350% | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 15.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $362891.16 | 22.400% |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 33.66 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 771009 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $21090.31 | $23028.47 | xxxxxx | 5.284% | $5247.74 | $5247.74 | 6.500% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $6835.31 | 1 | xxxxxx | $1943.16 | xxxxxx | $161.93 |  |  |  |  |  | 49.368% | 56.854% | 49.368% | 05/06/2022 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $21090.31 | xxxxxx | 4.550% | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $273336.59 |  |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 43.59 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 772242 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $5439.50 | $7834.94 | xxxxxx | 6.358% | $1697.06 | $1697.06 | 6.125% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $7060.12 | 1 | xxxxxx | $889.20 | xxxxxx | $74.10 |  |  |  |  |  | 45.900% | 45.900% | 45.900% | 04/28/2022 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5439.50 | xxxxxx | 5.330% | $0.00 | 3.9 |  |  |  | N/A | No | 6.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $188928.21 | 47.350% |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 25.49 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 772289 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1516.67 | $1516.67 | 7.000% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 5 | xxxxxx | $2728.32 | xxxxxx | $227.36 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/22/2022 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.95 | 0.51 |  |  |  |  |  |  | 240 | xxxxxx | $84253.65 |  |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 36.43 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 772264 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $4771.88 | $9278.66 | xxxxxx | 6.381% | $3469.57 | $3469.57 | 6.250% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $5875.87 | 1 | xxxxxx | $932.76 | xxxxxx | $77.73 |  |  |  |  |  | 43.661% | 43.661% | 43.661% | 05/20/2022 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4771.88 | xxxxxx | 5.330% | $0.00 | 1 |  |  |  | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $70741.52 | 8.130% |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 2.05 |  |  | No | xxxxxx | $0.00 | $6640.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 771658 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7438.00 | $9980.87 | xxxxxx | 5.400% | $3759.59 | $3759.59 | 6.125% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6663.60 | 1 | xxxxxx | $989.16 | xxxxxx | $82.43 |  |  |  |  |  | 41.547% | 48.030% | 41.547% | 05/20/2022 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7438.00 | xxxxxx | 4.600% | $0.00 | 1 |  |  |  | N/A | No | 6.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $305972.59 | 37.080% |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.32 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 771983 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $9685.00 | $11612.74 |  | 7.147% | $2496.33 | $2496.33 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4754.99 | 1 | xxxxxx | $1226.04 | xxxxxx | $102.17 | xxxxxx | xxxxxx | $1689.00 |  | Annually | 44.499% | 44.499% | 44.499% | 05/03/2022 | 677 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 48 | Personal, Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 39.70000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 39.70000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 39.70000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 39.70000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 39.70000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 39.70000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 39.70000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2018<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2018 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Fastrack |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9685.00 |  | 5.160% | $1500.00 | 1 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 | 24 | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $434913.76 | 84.040% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 78.67 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 771755 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7563.75 | $8712.11 | xxxxxx | 6.658% | $1728.12 | $1728.12 | 6.375% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $3271.22 | 1 | xxxxxx | $741.00 | xxxxxx | $61.75 | xxxxxx |  | $416.00 |  | Annually | 40.523% | 40.523% | 40.523% | 05/25/2022 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7563.75 | xxxxxx | 5.330% | $120000.00 | 1.3 |  |  |  | N/A | No | 6.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $5000.00 | 1.310% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 0.14 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 772200 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7895.00 | $10122.36 | xxxxxx | 7.288% | $2093.59 | $2093.59 | 6.990% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4934.57 | 1 | xxxxxx | $479.04 | xxxxxx | $39.92 | xxxxxx |  | $512.00 |  | Monthly | 40.325% | 40.325% | 40.325% | 05/23/2022 | 668 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - xxxxxx \| Primary Income - C-Corp]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - C-Corp]; Balance Sheet - 2022<br> [Borrower - xxxxxx \| Primary Income - C-Corp]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - C-Corp]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - C-Corp]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - C-Corp]; 1120 - 2021<br> [Borrower - xxxxxx \| Primary Income - C-Corp]; 4506-C (for Business) - 2021<br> [Borrower - xxxxxx \| Primary Income - C-Corp]; W-2 - 2021<br> [Borrower - xxxxxx \| Primary Income - C-Corp]; 4506-C (for Business) - 2020<br> [Borrower - xxxxxx \| Primary Income - C-Corp]; 4506-C (for Business) - 2019 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | FastEasy |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7895.00 | xxxxxx | 5.330% | $0.00 | 2.6 |  |  |  | Yes | No | 6.990% | 1 |  | 1 | 0 | 3 | 1 |  |  | 3.97 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $267024.56 | 63.570% |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 47.56 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 772315 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $27290.73 | $30868.53 | xxxxxx | 7.856% | $7306.08 | $9350.87 | 7.625% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $20906.38 | 1 | xxxxxx | $1187.04 | xxxxxx | $98.92 | xxxxxx | xxxxxx | $1500.00 |  | Annually | 36.552% | 30.346% | 36.552% | 04/04/2022 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 39.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 39.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 39.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 39.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Other Documentation (O) | Fastrack |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $27290.73 | xxxxxx | 5.160% | $0.00 | 1 |  |  |  | No | No | 7.625% | 0 | 0 | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | xxxxxx | $319698.25 | 25.020% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 10.95 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 772271 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $9069.00 | $10829.45 | xxxxxx | 8.686% | $2614.65 | $2614.65 | 8.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8112.41 | 1 | xxxxxx | $651.96 | xxxxxx | $54.33 | xxxxxx | xxxxxx | $260.00 |  | Monthly | 29.424% | 29.424% | 29.424% | 04/29/2022 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9069.00 | xxxxxx | 5.160% | $689.00 | 1 |  |  |  | Yes | No | 8.375% | 0 |  | 0 | 0 | 3 | 0 |  |  | 15.97 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $158127.29 | 36.350% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.74 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 772276 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3936.85 | $3936.85 | 7.375% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1476.12 | xxxxxx | $123.01 | xxxxxx |  | $725.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 05/10/2022 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | xxxxxx | $196103.78 | 25.630% |  |  |  |  |  |  | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 33.82 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 772304 | xxxxxx | N/A |  |  | xxxxxx | No | No | $19045.00 | $10139.60 | xxxxxx | 7.123% | $2496.33 | $2496.33 | 6.875% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4539.79 | 1 | xxxxxx | $752.04 | xxxxxx | $62.67 | xxxxxx |  | $555.00 |  | Monthly | 35.193% | 35.193% | 35.193% | 05/03/2022 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $19045.00 | xxxxxx | 5.160% | $4000.00 | 999 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 4 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $177536.33 | 37.370% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.86 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 770874 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $23650.00 | $22374.28 | xxxxxx | 6.857% | $3539.58 | $3539.58 | 6.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5747.70 | 1 | xxxxxx | $693.00 | xxxxxx | $57.75 | xxxxxx |  | $248.75 |  | Monthly | 45.258% | 45.258% | 45.258% | 05/02/2022 | 666 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Business License - 2021 | [Borrower]; 4506-T - 2021<br> [Borrower]; 4506-T - 2020 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $23650.00 | xxxxxx | 5.170% | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 2 | 0 |  |  | 15.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $267124.07 | 33.290% |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.17 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 772265 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $13325.00 | $15987.06 | xxxxxx | 6.278% | $5869.52 | $5869.52 | 6.125% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8203.31 | 1 | xxxxxx | $1868.04 | xxxxxx | $155.67 | xxxxxx |  | $69.00 |  | Monthly | 48.080% | 48.080% | 48.080% | 06/01/2022 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $13325.00 | xxxxxx | 5.160% | $0.00 | 1 |  |  |  | N/A | No | 6.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $968482.50 | 70.170% |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 52.92 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 770905 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2512.75 | $2512.75 | 6.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 6 | xxxxxx | $6408.96 | xxxxxx | $534.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/30/2022 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.45 | 0.69 |  |  |  |  |  |  |  | xxxxxx | $235259.55 | 46.120% |  |  |  |  |  |  | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 16.91 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 772327 | xxxxxx | N/A |  |  | xxxxxx | No | No | $39265.62 | $2777.12 | xxxxxx | 7.282% | $6062.84 | $6062.84 | 7.250% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $14875.74 | 1 | xxxxxx | $1578.96 | xxxxxx | $131.58 |  |  |  |  |  | 35.682% | 35.682% | 35.682% | 05/03/2022 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $39265.62 | xxxxxx | 5.160% | $0.00 | 1.7 |  |  |  | No | No | 7.250% | 2 |  | 2 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $442884.36 |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 74.89 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 772261 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $20081.00 | $24326.22 | xxxxxx | 7.193% | $8249.75 | $8249.75 | 7.000% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $15162.01 | 1 | xxxxxx | $3936.96 | xxxxxx | $328.08 | xxxxxx |  | $249.00 |  | Monthly | 40.924% | 40.924% | 40.924% | 06/06/2022 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $20081.00 | xxxxxx | 5.160% | $0.00 | 4.4 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 15.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $67206.71 | 4.330% |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | VISA |  |  |  |  | 25.8 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 772244 | xxxxxx | N/A |  |  | xxxxxx | No | No | $32590.00 | $18656.14 | xxxxxx | 7.239% | $4324.47 | $4324.47 | 7.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $26974.30 | 1 | xxxxxx | $4574.76 | xxxxxx | $381.23 | xxxxxx | xxxxxx | $1850.00 |  | Monthly | 19.645% | 19.645% | 19.645% | 06/27/2022 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; Balance Sheet - 2022<br> [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2021<br> [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2021<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2021<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $32590.00 | xxxxxx | 5.160% | $0.00 | 2.9 |  |  |  | No | No | 7.000% | 0 |  | 2 | 0 | 4 | 0 |  |  | 17.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $596214.34 |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 69.63 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 773661 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $26135.00 | $31306.17 | xxxxxx | 6.827% | $8324.04 | $8324.04 | 6.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $15460.31 | 1 | xxxxxx | $1740.96 | xxxxxx | $145.08 | xxxxxx |  | $429.00 |  | Monthly | 49.102% | 49.102% | 49.102% | 03/10/2022 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 |  | Alternative Documentation (A) | 12mo Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $26135.00 | xxxxxx | 5.180% | $0.00 | 3.4 |  |  |  | No | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $483536.10 |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 50.06 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 773650 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $16335.00 | $20384.01 | xxxxxx | 7.004% | $3060.69 | $3060.69 | 6.625% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $6871.87 | 1 | xxxxxx | $867.96 | xxxxxx | $72.33 |  |  |  |  |  | 35.735% | 35.735% | 35.735% | 06/13/2022 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Full Documentation (F) | 2yr P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $16335.00 | xxxxxx | 5.860% | $0.00 | 2.5 |  |  |  | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 17.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $100474.70 |  |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 27.29 |  |  | No | xxxxxx | $4990.38 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 773648 | xxxxxx | N/A |  |  | xxxxxx | No | No | $24815.12 | $10899.77 | xxxxxx | 8.928% | $2343.13 | $2854.95 | 8.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $30995.88 | 1 | xxxxxx | $735.00 | xxxxxx | $61.25 |  |  |  |  |  | 21.700% | 20.407% | 21.700% | 06/09/2022 | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 23.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 23.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $24815.12 | xxxxxx | 5.880% | $0.00 | 1 |  |  |  | Yes | No | 8.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | xxxxxx | $127725.42 | 31.340% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 32.8 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 773679 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $0.00 | $6895.69 | xxxxxx | 6.530% | $5018.54 | $5856.11 | 6.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $14986.47 | 1 | xxxxxx | $0.00 | xxxxxx | $0.00 | xxxxxx |  | $591.00 |  | Monthly | 38.928% | 35.515% | 38.928% | 06/13/2022 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2021 |  | Full Documentation (F) | 12mo P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  | xxxxxx | 5.310% | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 17.00 | No |  |  |  |  |  |  |  |  | 360 | xxxxxx | $54500.00 | 5.000% |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.85 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 773677 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $10096.25 | $14404.62 | xxxxxx | 6.479% | $3376.18 | $3376.18 | 7.625% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $4851.42 | 1 | xxxxxx | $0.00 | xxxxxx | $0.00 | xxxxxx |  | $300.00 |  | Monthly | 49.428% | 55.799% | 49.428% | 05/10/2022 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10096.25 | xxxxxx | 5.240% | $0.00 | 1.2 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $88242.56 | 13.870% |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 6.24 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 774281 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2543.98 | $2543.98 | 6.550% | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  |  | 1 | xxxxxx | $983.04 | xxxxxx | $81.92 | xxxxxx |  | $175.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.550% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx | $424953.15 |  |  |  |  |  |  |  | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 117 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 772325 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $5193.80 | $6532.68 | xxxxxx | 7.103% | $1121.43 | $1121.43 | 6.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $163094.96 | 1 | xxxxxx | $3048.84 | xxxxxx | $254.07 | xxxxxx | xxxxxx | $75.00 |  | Monthly | 4.166% | 4.166% | 4.166% | 06/08/2022 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5193.80 | xxxxxx | 5.160% | $2125.00 | 2.6 |  |  |  | Yes | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $420651.16 | 168.260% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 346.37 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 772333 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1710.64 | $1710.64 | 6.875% | No | No |  |  |  |  |  |  | Foreign National | Foreign National |  |  |  |  |  |  |  | 1 | xxxxxx | $509.76 | xxxxxx | $42.48 | xxxxxx |  | $110.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  |  | xxxxxx | $592925.92 | 100.000% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 206.19 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | Property Focused |
| xxxxxx | 773667 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7025.00 | $10600.19 | xxxxxx | 6.474% | $3454.03 | $3454.03 | 7.625% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9197.84 | 1 | xxxxxx | $657.00 | xxxxxx | $54.75 | xxxxxx |  | $635.32 |  | Monthly | 37.098% | 41.374% | 37.098% | 06/13/2022 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7025.00 | xxxxxx | 5.190% | $10000.00 | 1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $198241.62 | 32.490% |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.74 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 773662 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $17906.00 | $21606.38 | xxxxxx | 8.524% | $4065.17 | $4065.17 | 8.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6502.62 | 1 | xxxxxx | $1830.96 | xxxxxx | $152.58 |  |  |  |  |  | 42.967% | 42.967% | 42.967% | 06/07/2022 | 660 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $17906.00 | xxxxxx | 5.880% | $0.00 | 1 |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 17.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $81779.70 |  |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.32 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 774303 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $8032.50 | $9021.42 | xxxxxx | 7.785% | $1159.70 | $1159.70 | 7.250% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $2636.96 | 1 | xxxxxx | $2051.04 | xxxxxx | $170.92 | xxxxxx |  | $198.00 |  | Monthly | 40.801% | 40.801% | 40.801% | 05/25/2022 | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Account Statements - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full | Chapter 7 |  | xxxxxx | 1 | 31.56 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8032.50 | xxxxxx | 5.370% | $0.00 | 1.8 |  |  |  | N/A | No | 7.250% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $19780.88 |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.32 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 772941 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $14350.00 | $16107.44 | xxxxxx | 9.652% | $5240.02 | $5240.02 | 9.375% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $91723.97 | 1 | xxxxxx | $2289.00 | xxxxxx | $190.75 | xxxxxx |  | $576.00 |  | Annually | 26.763% | 26.763% | 26.763% | 06/16/2022 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2006 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Alternative Documentation (A) | 12mo Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14350.00 | xxxxxx | 5.780% | $10000.00 | 1.4 |  |  |  | Yes | No | 9.375% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $24221.07 | 3.460% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 13.57 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 774285 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2708.67 | $2708.67 | 7.875% | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  |  | 1 | xxxxxx | $7652.28 | xxxxxx | $637.69 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/08/2022 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.7 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.33 |  |  |  |  |  |  | 240 | xxxxxx | $65482.60 |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | Property Focused |
| xxxxxx | 772314 | xxxxxx | N/A |  |  | xxxxxx | No | No | $10520.00 | $11623.30 | xxxxxx | 8.444% | $2329.17 | $2904.17 | 8.125% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5832.44 | 1 | xxxxxx | $2021.40 | xxxxxx | $168.45 | xxxxxx |  | $285.00 |  | Monthly | 47.751% | 42.599% | 47.751% | 06/03/2022 | 692 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10520.00 | xxxxxx | 5.370% | $0.00 | 2.6 |  |  |  | Yes | No | 8.125% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 | xxxxxx | $123858.57 | 28.800% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.66 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 774308 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $13378.82 | $14663.32 | xxxxxx | 8.606% | $2366.71 | $2366.71 | 8.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $79936.23 | 1 | xxxxxx | $2280.00 | xxxxxx | $190.00 | xxxxxx |  | $500.00 |  | Annually | 6.631% | 6.631% | 6.631% | 07/07/2022 | 621 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 45.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 45.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 45.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 45.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $13378.82 | xxxxxx | 5.780% | $0.00 | 1 |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $436654.67 | 100.000% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 78.53 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 774247 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $13112.81 | $16969.94 | xxxxxx | 8.238% | $5245.99 | $5245.99 | 8.000% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9239.54 | 1 | xxxxxx | $702.12 | xxxxxx | $58.51 | xxxxxx | xxxxxx | $147.03 |  | Monthly | 45.221% | 45.221% | 45.221% | 06/14/2022 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $13112.81 | xxxxxx | 5.780% | $0.00 | 1.4 |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $146136.70 | 16.350% |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.84 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 775926 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2952.64 | $2952.64 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1082.04 | xxxxxx | $90.17 | xxxxxx |  | $720.00 |  | Annually | 0.000% | 0.000% | 0.000% | 07/12/2022 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.1 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | xxxxxx | $194041.16 | 34.040% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.6 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 767968 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $8888.91 | $11370.90 | xxxxxx | 7.475% | $7569.79 | $7569.79 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $80715.35 | 1 | xxxxxx | $1229.04 | xxxxxx | $102.42 |  |  |  |  |  | 21.871% | 21.871% | 21.871% | 06/07/2022 | 678 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 56.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 56.00% \| Expense Ratio: 45.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 56.00% \| Expense Ratio: 45.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 56.00% \| Expense Ratio: 45.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 56.00% \| Expense Ratio: 45.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 56.00% \| Expense Ratio: 45.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2015 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020 | Alternative Documentation (A) | 12mo Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8888.91 | xxxxxx | 5.880% | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $574719.38 | 41.950% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 33.63 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 773680 | xxxxxx | N/A |  |  | xxxxxx | No | No | $13904.76 | $15624.88 | xxxxxx | 7.556% | $5926.76 | $5926.76 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $80830.01 | 1 | xxxxxx | $2256.00 | xxxxxx | $188.00 |  |  |  |  |  | 21.754% | 21.754% | 21.754% | 06/07/2022 | 678 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 56.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 56.00% \| Expense Ratio: 45.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 56.00% \| Expense Ratio: 45.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 56.00% \| Expense Ratio: 45.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $13904.76 | xxxxxx | 5.880% | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $347526.07 |  |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 54.71 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 774462 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $951.98 | $951.98 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1729.20 | xxxxxx | $144.10 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/22/2022 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx | $164449.03 |  |  |  |  |  |  |  | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 113.46 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 776159 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3327.19 | $3327.19 | 7.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $774.00 | xxxxxx | $64.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/22/2022 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | xxxxxx | $495159.56 |  |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 140.92 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 775643 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $9815.00 | $10429.25 | xxxxxx | 9.214% | $1982.49 | $1982.49 | 8.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5016.88 | 1 | xxxxxx | $1397.04 | xxxxxx | $116.42 | xxxxxx |  | $300.00 |  | Annually | 34.471% | 34.471% | 34.471% | 05/19/2022 | 652 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | Chapter 13 | xxxxxx | xxxxxx | 1 |  | 39.72 |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9815.00 | xxxxxx | 5.370% | $0.00 | 1.4 |  |  |  | N/A | No | 8.750% | 0 |  | 0 | 0 | 3 | 0 |  |  | 17.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $11023.09 |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.82 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 775740 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $6755.00 | $11874.17 | xxxxxx | 7.633% | $4391.07 | $4391.07 | 7.500% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7096.07 | 1 | xxxxxx | $867.12 | xxxxxx | $72.26 |  |  |  |  |  | 43.231% | 43.231% | 43.231% | 07/22/2022 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6755.00 | xxxxxx | 5.610% | $0.00 | 1.4 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.23 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 774307 | xxxxxx | N/A |  |  | xxxxxx | No | No | $20422.50 | $11151.73 | xxxxxx | 6.819% | $3002.16 | $3002.16 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5737.94 | 1 | xxxxxx | $798.12 | xxxxxx | $66.51 |  |  |  |  |  | 36.103% | 36.103% | 36.103% | 07/27/2022 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $20422.50 | xxxxxx | 5.120% | $0.00 |  |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 17.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $422259.76 | 52.130% |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.42 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 775085 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7467.80 | $12933.58 |  | 7.428% | $3820.19 | $3820.19 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7176.16 | 1 | xxxxxx | $1090.20 | xxxxxx | $90.85 |  |  |  |  |  | 42.757% | 42.757% | 42.757% | 06/21/2022 | 815 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7467.80 |  | 5.370% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 18.97 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $62555.31 | 6.790% |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.86 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 774650 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $19906.25 | $27645.21 | xxxxxx | 6.418% | $8460.77 | $8460.77 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $21625.38 | 1 | xxxxxx | $1592.04 | xxxxxx | $132.67 | xxxxxx |  | $800.00 |  | Annually | 32.250% | 32.250% | 32.250% | 06/22/2022 | 813 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $19906.25 | xxxxxx | 5.120% | $12500.00 | 2.6 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 4 | 0 |  |  | 17.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $971746.87 | 55.520% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 42.61 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 774250 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1171.41 | $1171.41 | 7.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 3 | xxxxxx | $1607.04 | xxxxxx | $133.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/17/2022 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.44 | 0.7 |  |  |  |  |  |  | 360 | xxxxxx | $164388.06 |  |  |  |  |  |  |  | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 114.12 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 774277 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $6674.69 | $11921.20 | xxxxxx | 8.545% | $3585.55 | $4417.88 | 8.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7826.89 | 1 | xxxxxx | $1419.12 | xxxxxx | $118.26 |  |  |  |  |  | 44.156% | 38.218% | 44.156% | 07/07/2022 | 660 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6674.69 | xxxxxx | 5.780% | $3000.00 | 2.6 |  |  |  | Yes | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | xxxxxx | $55007.19 | 8.030% |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.17 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 775579 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $888.21 | $888.21 | 7.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1769.04 | xxxxxx | $147.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/07/2022 | 666 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.81 |  |  |  |  |  |  |  | xxxxxx | $210343.08 | 100.000% |  |  |  |  |  |  | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 129.5 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 775838 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3090.64 | $3090.64 | 8.125% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1982.04 | xxxxxx | $165.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/22/2022 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $90811.78 |  |  |  |  |  |  |  | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 27.69 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 775843 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3090.64 | $3090.64 | 8.125% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1998.96 | xxxxxx | $166.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/22/2022 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $92285.10 |  |  |  |  |  |  |  | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 28.11 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 776003 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $3161.00 | $6207.96 | xxxxxx | 8.033% | $2711.47 | $2711.47 | 9.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5223.13 | 1 | xxxxxx | $549.96 | xxxxxx | $45.83 | xxxxxx |  | $217.00 |  | Monthly | 42.995% | 47.798% | 42.995% | 07/27/2022 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Account Statements - Personal - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018 | Full Documentation (F) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3161.00 | xxxxxx | 5.330% | $0.00 | 1 |  |  |  | Yes | No | 9.625% | 0 |  | 0 | 0 | 4 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | xxxxxx | $188523.10 | 47.130% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 28.53 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 775166 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $9532.82 | $12254.35 | xxxxxx | 7.299% | $2344.31 | $2344.31 | 7.000% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4035.34 | 1 | xxxxxx | $1328.04 | xxxxxx | $110.67 | xxxxxx |  | $900.00 |  | Annually | 49.627% | 49.627% | 49.627% | 06/20/2022 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9532.82 | xxxxxx | 5.580% | $1500.00 | 1 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $123359.36 | 28.000% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.07 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 771697 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1283.37 | $1283.37 | 9.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3863.04 | xxxxxx | $321.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/12/2022 | 627 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.38 | 0.73 |  |  |  |  |  |  |  | xxxxxx | $141399.49 |  |  |  |  |  |  |  | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 73.33 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 775923 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $10842.00 | $12879.25 | xxxxxx | 10.320% | $2657.15 | $2657.15 | 9.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $26967.05 | 1 | xxxxxx | $2282.52 | xxxxxx | $190.21 |  |  |  |  |  | 28.515% | 28.515% | 28.515% | 06/25/2022 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 81.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Account Statements - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; Account Statements - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10842.00 | xxxxxx | 5.610% | $0.00 | 3.3 |  |  |  | Yes | No | 9.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $136136.77 | 40.040% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 31.79 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 776227 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $22140.00 | $32242.63 | xxxxxx | 7.975% | $8790.38 | $8790.38 | 7.750% | No | No | Self-Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $21767.89 | 1 | xxxxxx | $7416.96 | xxxxxx | $618.08 |  |  |  |  |  | 37.622% | 37.622% | 37.622% | 07/07/2022 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $22140.00 | xxxxxx | 5.370% | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 19.13 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $256937.65 | 14.870% |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 15.33 |  | Yes | No | xxxxxx | $0.00 | $7181.68 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 775587 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3450.83 | $3450.83 | 7.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $4095.96 | xxxxxx | $341.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/18/2022 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.64 | 1.56 |  |  |  |  |  |  |  | xxxxxx | $448595.45 | 65.970% |  |  |  |  |  |  | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 139.6 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 776581 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $15425.00 | $22515.40 | xxxxxx | 8.087% | $7149.18 | $7149.18 | 7.875% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $11034.89 | 1 | xxxxxx | $2178.00 | xxxxxx | $181.50 |  |  |  |  |  | 47.842% | 47.842% | 47.842% | 07/29/2022 | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2022 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $15425.00 | xxxxxx | 5.060% | $0.00 | 1.5 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $20000.00 | 1.480% |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 0 |  | Yes | No | xxxxxx | $0.00 | $8952.95 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 776410 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $8256.00 | $11283.96 | xxxxxx | 6.921% | $2202.67 | $2202.67 | 6.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4161.64 | 1 | xxxxxx | $1330.68 | xxxxxx | $110.89 |  |  |  |  |  | 41.845% | 41.845% | 41.845% | 07/20/2022 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.30000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.30000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.30000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8256.00 | xxxxxx | 5.060% | $8000.00 | 1 |  |  |  | Yes | No | 6.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $48337.62 | 11.240% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.37 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 772323 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2387.32 | $2387.32 | 6.500% | No | No |  |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | $5148.48 | xxxxxx | $429.04 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/25/2022 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.5 |  |  |  | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.87 | 1.14 |  |  |  |  |  |  |  | xxxxxx | $1386.24 |  |  |  |  |  |  |  | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 0.01 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 775881 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $10590.00 | $11182.97 | xxxxxx | 8.151% | $1592.54 | $1592.54 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $15945.84 | 1 | xxxxxx | $2060.28 | xxxxxx | $171.69 | xxxxxx | xxxxxx | $1896.25 |  | Monthly | 33.449% | 33.449% | 33.449% | 07/26/2022 | 655 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2010<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 1999 |  | Alternative Documentation (A) | 12mo Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10590.00 | xxxxxx | 5.370% | $0.00 | 1.6 |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $94371.36 |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.79 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 773664 | xxxxxx | N/A |  |  | xxxxxx | No | No | $8397.60 | $8965.68 | xxxxxx | 8.775% | $1406.38 | $1406.38 | 8.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8675.57 | 1 | xxxxxx | $1729.56 | xxxxxx | $144.13 |  |  |  |  |  | 32.135% | 32.135% | 32.135% | 06/15/2022 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2021<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2020<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; 1099 - 2021<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; 1099 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-T - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8397.60 | xxxxxx | 5.280% | $0.00 | 1 |  |  |  | Yes | No | 8.250% | 0 |  | 0 | 0 | 1 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | xxxxxx | $134671.73 | 57.550% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 39.62 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 774898 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $29672.50 | $33173.42 | xxxxxx | 8.270% | $7800.00 | $9786.35 | 8.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $167180.41 | 1 | xxxxxx | $3456.96 | xxxxxx | $288.08 |  |  |  |  |  | 12.358% | 11.316% | 12.358% | 08/12/2022 | 640 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2018 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Fastrack |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $29672.50 | xxxxxx | 5.060% | $0.00 | 1 |  |  |  | No | No | 8.000% | 0 |  | 0 | 0 | 4 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | xxxxxx | $402567.43 |  |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 37.29 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 776817 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $18507.00 | $19850.20 | xxxxxx | 8.539% | $5499.27 | $5499.27 | 8.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $23656.42 | 1 | xxxxxx | $3812.76 | xxxxxx | $317.73 |  |  |  |  |  | 28.147% | 28.147% | 28.147% | 07/08/2022 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 75.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $18507.00 | xxxxxx | 5.610% | $20500.00 | 3.6 |  |  |  | No | No | 8.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $186631.55 | 20.390% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.05 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 775590 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $12523.75 | $14859.00 | xxxxxx | 8.486% | $9690.93 | $9690.93 | 8.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $16068.89 | 1 | xxxxxx | $2861.04 | xxxxxx | $238.42 |  |  |  |  |  | 45.533% | 45.533% | 45.533% | 07/08/2022 | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2021<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $12523.75 | xxxxxx | 5.370% | $25000.00 | 1.5 |  |  |  | Yes | No | 8.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $292444.97 | 19.490% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.31 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 776412 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $5225.00 | $6596.26 | xxxxxx | 8.555% | $2914.88 | $2914.88 | 8.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $22854.99 | 1 | xxxxxx | $1055.04 | xxxxxx | $87.92 | xxxxxx |  | $100.00 |  | Monthly | 32.276% | 32.276% | 32.276% | 08/08/2022 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 48.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 48.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 48.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 48.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 48.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5225.00 | xxxxxx | 5.370% | $850.00 | 1 |  |  |  | No | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $110200.00 | 22.980% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.2 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 776892 | xxxxxx | N/A |  |  | xxxxxx | No | No | $22117.20 | $13811.20 | xxxxxx | 8.191% | $2395.69 | $2395.69 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $25258.91 | 1 | xxxxxx | $842.04 | xxxxxx | $70.17 | xxxxxx |  | $2300.00 |  | Annually | 20.933% | 20.933% | 20.933% | 07/19/2022 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 23.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 23.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 23.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 23.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $22117.20 | xxxxxx | 5.280% | $7365.00 | 2.8 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $15475.34 | 3.700% |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.67 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 777361 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $23831.25 | $24611.67 | xxxxxx | 8.237% | $8254.86 | $8254.86 | 8.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $39400.06 | 1 | xxxxxx | $2631.96 | xxxxxx | $219.33 |  |  |  |  |  | 25.009% | 25.009% | 25.009% | 08/02/2022 | 664 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 28.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 28.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 28.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 28.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 28.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $23831.25 | xxxxxx | 5.200% | $0.00 | 1.1 |  |  |  | No | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $776171.37 |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 86.05 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 776762 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $15001.25 | $19519.25 | xxxxxx | 7.768% | $4273.95 | $4273.95 | 7.500% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $12357.33 | 1 | xxxxxx | $681.00 | xxxxxx | $56.75 | xxxxxx | xxxxxx | $573.00 |  | Monthly | 48.243% | 48.243% | 48.243% | 07/21/2022 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $15001.25 | xxxxxx | 5.280% | $0.00 | 999 |  |  |  | No | No | 7.500% | 2 |  | 2 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $486147.16 | 59.640% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 51.24 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 775269 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $2565.00 | $7399.71 | xxxxxx | 9.086% | $4377.15 | $4377.15 | 9.000% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $17735.38 | 1 | xxxxxx | $2133.00 | xxxxxx | $177.75 |  |  |  |  |  | 27.041% | 27.041% | 27.041% | 08/29/2022 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2565.00 | xxxxxx | 5.280% | $3000.00 | 2 |  |  |  | Yes | No | 9.000% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $46218.46 | 6.790% |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 5.88 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 777698 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1522.94 | $1522.94 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1118.04 | xxxxxx | $93.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/17/2022 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.79 |  |  |  |  |  |  |  | xxxxxx | $33223.21 |  |  |  |  |  |  |  | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 32.14 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 776969 | xxxxxx | N/A |  |  | xxxxxx | No | No | $15055.00 | $7173.86 | xxxxxx | 7.013% | $3069.79 | $3069.79 | 7.250% | No | No | Not Employed | Employed | Employed |  | 8.69 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | $10455.38 | 3 | xxxxxx | $837.00 | xxxxxx | $69.75 |  |  |  |  |  | 52.650% | 52.650% | 52.650% | 08/15/2022 | 719 | 724 | 719 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2020 | [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $15055.00 | xxxxxx | 5.250% | $0.00 |  |  |  |  | No | No | 7.250% | 0 | 0 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $443133.24 | 56.450% |  |  |  |  |  |  | Preliminary | Fee Simple | LLC | Guarantor - Business Entity | Individual | Member | Individual | Member |  |  |  |  |  |  |  |  | Yes | Guarantor - Business Entity | Yes |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 28.66 |  | No | No | xxxxxx | $0.00 | $12833.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 775155 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2000.25 | $2000.25 | 8.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $903.00 | xxxxxx | $75.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/15/2022 | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.7 |  |  |  | No | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | xxxxxx | $65120.18 | 18.340% |  |  |  |  |  |  | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 4.62 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 777895 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2071.42 | $2071.42 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1673.28 | xxxxxx | $139.44 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/24/2022 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | xxxxxx | $78541.53 |  |  |  |  |  |  |  | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 35.57 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 776356 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $10965.00 | $18165.50 | xxxxxx | 7.928% | $6247.11 | $6247.11 | 7.750% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11494.17 | 1 | xxxxxx | $1730.16 | xxxxxx | $144.18 |  |  |  |  |  | 47.508% | 47.508% | 47.508% | 07/15/2022 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10965.00 | xxxxxx | 5.370% | $0.00 | 1.1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $228438.64 | 20.950% |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.03 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 778173 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $34865.00 | $39117.55 | xxxxxx | 7.242% | $4799.63 | $4799.63 | 6.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $15171.97 | 2 | xxxxxx | $1100.04 | xxxxxx | $91.67 |  |  |  |  |  | 27.868% | 27.868% | 27.868% | 07/07/2022 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 36.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 36.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 36.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 36.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Fastrack |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $34865.00 | xxxxxx | 5.620% | $0.00 |  |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $345694.52 | 37.370% |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.38 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 777312 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1513.75 | $1513.75 | 7.250% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | $768.96 | xxxxxx | $64.08 | xxxxxx |  | $227.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/17/2022 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx | $81751.56 | 26.800% |  |  |  |  |  |  | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 200.51 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 777718 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $11845.00 | $14766.72 | xxxxxx | 8.848% | $2432.23 | $2432.23 | 8.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $46239.27 | 1 | xxxxxx | $1491.00 | xxxxxx | $124.25 | xxxxxx | xxxxxx | $285.00 |  | Monthly | 12.623% | 12.623% | 12.623% | 08/03/2022 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Fastrack |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $11845.00 | xxxxxx | 5.620% | $0.00 | 1.5 |  |  |  | No | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $142506.44 | 35.620% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.62 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 777156 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2659.10 | $2659.10 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1999.20 | xxxxxx | $166.60 | xxxxxx |  | $824.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/20/2022 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.99 | 1.01 |  |  |  |  |  |  |  | xxxxxx | $202252.70 | 36.770% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.49 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 773534 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $9862.79 | $11321.22 | xxxxxx | 7.882% | $2037.33 | $2037.33 | 7.500% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $4186.99 | 1 | xxxxxx | $805.56 | xxxxxx | $67.13 | xxxxxx |  | $1556.00 |  | Annually | 47.663% | 47.663% | 47.663% | 06/10/2022 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9862.79 | xxxxxx | 5.620% | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $156140.82 | 40.190% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 11.22 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 777078 | xxxxxx | N/A |  |  | xxxxxx | No | No | $10230.00 | $11388.80 | xxxxxx | 8.294% | $1957.69 | $1957.69 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $96974.16 | 1 | xxxxxx | $3473.04 | xxxxxx | $289.42 |  |  |  |  |  | 18.275% | 18.275% | 18.275% | 07/15/2022 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10230.00 | xxxxxx | 5.060% | $0.00 | 1.1 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $278968.48 |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 123.55 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 777472 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $21799.12 | $27204.72 | xxxxxx | 8.890% | $5408.35 | $5408.35 | 8.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10132.20 | 1 | xxxxxx | $2945.40 | xxxxxx | $245.45 |  |  |  |  |  | 45.436% | 45.436% | 45.436% | 08/05/2022 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2020 |  | Alternative Documentation (A) | 12mo Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $21799.12 | xxxxxx | 5.620% | $33100.00 | 1 |  |  |  | Yes | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $90616.69 | 10.950% |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.48 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 778123 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3991.96 | $3991.96 | 7.625% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 2 | xxxxxx | $5643.00 | xxxxxx | $470.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/08/2022 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.94 |  |  |  |  |  |  |  | xxxxxx | $49950.00 | 7.080% |  |  |  |  |  |  | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 5.18 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 777077 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $15596.88 | $4189.38 | xxxxxx | 7.078% | $2744.37 | $2744.37 | 7.000% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4956.26 | 4 | xxxxxx | $1782.96 | xxxxxx | $148.58 |  |  |  |  |  | 39.032% | 39.032% | 39.032% | 07/11/2022 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; Tax Return Extension - 2021<br> [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $15596.88 | xxxxxx | 5.950% | $0.00 |  |  |  |  | N/A | No | 7.000% | 2 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $340541.37 |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 100.38 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 776853 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $1283.48 | $2109.15 | xxxxxx | 9.852% | $1810.67 | $1810.67 | 9.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5431.01 | 1 | xxxxxx | $3397.92 | xxxxxx | $283.16 |  |  |  |  |  | 34.823% | 34.823% | 34.823% | 08/24/2022 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $1283.48 | xxxxxx | 5.280% | $0.00 | 2.8 |  |  |  | N/A | No | 9.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $195134.28 |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 80.8 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 778919 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $26207.50 | $28074.21 | xxxxxx | 8.005% | $4055.45 | $4055.45 | 7.500% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $8597.77 | 1 | xxxxxx | $1236.00 | xxxxxx | $103.00 |  |  |  |  |  | 41.356% | 41.356% | 41.356% | 08/11/2022 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; WVOE - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2021<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2020<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 Transcript - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $26207.50 | xxxxxx | 6.380% | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 2 |  | 0 | 0 | 2 | 0 |  |  | 17.97 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $464942.32 | 64.120% |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 53.01 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 777429 | xxxxxx | N/A |  |  | xxxxxx | No | No | $47750.94 | $13756.37 | xxxxxx | 7.952% | $4970.11 | $4970.11 | 7.750% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $12769.80 | 2 | xxxxxx | $2784.96 | xxxxxx | $232.08 |  |  |  |  |  | 41.837% | 41.837% | 41.837% | 09/14/2022 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $47750.94 | xxxxxx | 5.200% | $0.00 |  |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 20.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $725191.23 | 78.390% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 76.76 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 776857 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $12165.00 | $12930.59 | xxxxxx | 8.098% | $2779.68 | $2779.68 | 7.750% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $29857.87 | 1 | xxxxxx | $2638.20 | xxxxxx | $219.85 | xxxxxx |  | $565.00 |  | Annually | 23.710% | 23.710% | 23.710% | 08/15/2022 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 90.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2017 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $12165.00 | xxxxxx | 5.280% | $0.00 | 2.6 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $123908.63 | 25.540% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 21.45 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 776854 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $9681.83 | $9681.83 | 8.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $2150.04 | xxxxxx | $179.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/16/2022 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.81 | 1.23 |  |  |  |  |  |  |  | xxxxxx | $816051.58 |  |  |  |  |  |  |  | Commitment | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 75.15 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 778077 | xxxxxx | N/A |  |  | xxxxxx | No | No | $118970.00 | $34037.92 | xxxxxx | 8.893% | $19667.51 | $19667.51 | 8.750% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $69204.76 | 4 | xxxxxx | $3621.96 | xxxxxx | $301.83 |  |  |  |  |  | 39.931% | 39.931% | 39.931% | 08/17/2022 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $118970.00 | xxxxxx | 5.730% | $0.00 |  |  |  |  | N/A | No | 8.750% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $556288.92 |  |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 23.99 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 777220 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7370.00 | $9155.07 | xxxxxx | 9.389% | $2156.20 | $2156.20 | 8.999% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4117.26 | 1 | xxxxxx | $999.00 | xxxxxx | $83.25 |  |  |  |  |  | 44.898% | 44.898% | 44.898% | 08/22/2022 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7370.00 | xxxxxx | 5.200% | $5100.00 | 2.6 |  |  |  | Yes | No | 8.999% | 0 |  | 0 | 0 | 2 | 0 |  |  | 19.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $113384.93 | 33.840% | No |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 34.01 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 776616 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1489.87 | $1489.87 | 7.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1613.04 | xxxxxx | $134.42 | xxxxxx |  | $42.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/27/2022 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2 |  |  |  | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.64 | 1.57 |  |  |  |  |  |  |  | xxxxxx | $201201.34 |  | No |  |  |  |  |  | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 106.88 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 778859 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1193.47 | $1193.47 | 8.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $345.00 | xxxxxx | $28.75 | xxxxxx |  | $356.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/15/2022 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.97 | 1.03 |  |  |  |  |  |  |  | xxxxxx | $93093.02 | 44.970% | No |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.96 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 777704 | xxxxxx | N/A |  |  | xxxxxx | No | No | $15981.60 | $7921.31 | xxxxxx | 9.156% | $2189.61 | $2189.61 | 8.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $27251.77 | 1 | xxxxxx | $1152.36 | xxxxxx | $96.03 | xxxxxx |  | $750.00 |  | Annually | 20.117% | 20.117% | 20.117% | 08/22/2022 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $15981.60 | xxxxxx | 5.730% | $0.00 | 1 |  |  |  | Yes | No | 8.875% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $81879.24 | 23.800% | No |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 14.51 |  | No | No | xxxxxx | $17057.34 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 779185 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $917.79 | $917.79 | 8.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $936.00 | xxxxxx | $78.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/13/2022 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx | $83343.27 |  | No |  |  |  |  |  | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 59.66 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 775461 | xxxxxx | N/A |  |  | xxxxxx | No | No | $17173.00 | $6560.51 |  | 8.789% | $1657.50 | $1657.50 | 8.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $12800.87 | 1 | xxxxxx | $1614.60 | xxxxxx | $134.55 | xxxxxx | xxxxxx | $350.00 | 12/31/2022 | Annually | 26.013% | 26.013% | 26.013% | 07/22/2022 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $17173.00 |  | 5.060% | $0.00 | 5 |  |  |  | No | No | 8.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | xxxxxx | $215437.37 |  | No |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 149.33 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 777734 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $14112.51 | $17153.15 | xxxxxx | 9.049% | $4326.86 | $4326.86 | 8.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10323.72 | 1 | xxxxxx | $5984.88 | xxxxxx | $498.74 | xxxxxx |  | $760.00 |  | Annually | 38.809% | 38.809% | 38.809% | 07/27/2022 | 663 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 48 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Fastrack |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No | xxxxxx | xxxxxx | $14112.51 | xxxxxx | 6.790% | $0.00 | 1.2 |  |  |  | Yes | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $12244.29 |  | No |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.81 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 778469 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2378.98 | $2378.98 | 8.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $1787.04 | xxxxxx | $148.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/16/2022 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | xxxxxx | $120559.25 |  | No |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 41.43 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 777437 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $35837.80 | $42647.47 | xxxxxx | 7.167% | $8638.61 | $8638.61 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $51353.79 | 1 | xxxxxx | $2436.96 | xxxxxx | $203.08 |  |  |  |  |  | 21.667% | 21.667% | 21.667% | 08/26/2022 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2021 |  | Alternative Documentation (A) | 12mo Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $35837.80 | xxxxxx | 5.280% | $0.00 | 2.3 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $659268.92 |  | No |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 97.28 |  | No | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 778480 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5772.94 | $5772.94 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 4 | xxxxxx | $5256.96 | xxxxxx | $438.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/07/2022 | 813 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | xxxxxx | $592752.92 | 54.500% | No |  |  |  |  |  | Short Form | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 42.35 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 779725 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2082.50 | $2082.50 | 8.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $986.04 | xxxxxx | $82.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/01/2022 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  | 240 | xxxxxx | $141058.98 | 35.980% | No |  |  |  |  |  | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 12.95 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 778702 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $9210.00 | $11622.58 | xxxxxx | 8.528% | $5183.69 | $5183.69 | 8.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $28069.05 | 1 | xxxxxx | $2139.96 | xxxxxx | $178.33 |  |  |  |  |  | 17.968% | 17.968% | 17.968% | 09/19/2022 | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $9210.00 | xxxxxx | 6.090% | $0.00 | 1 |  |  |  | Yes | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $695738.83 |  | No |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 117.01 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 779136 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $33012.50 | $35847.33 |  | 7.962% | $5383.95 | $5383.95 | 7.500% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $14421.97 | 1 | xxxxxx | $1785.24 | xxxxxx | $148.77 | xxxxxx | xxxxxx | $91.00 |  | Monthly | 33.680% | 38.193% | 33.680% | 09/17/2022 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2021 |  | Full Documentation (F) | 12mo P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $33012.50 |  | 6.120% | $0.00 | 3.4 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 20.47 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $119611.57 |  | No |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 18.67 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 777848 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $4374.06 | $6136.00 | xxxxxx | 8.456% | $1078.26 | $1344.45 | 8.125% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3208.83 | 1 | xxxxxx | $1311.96 | xxxxxx | $109.33 |  |  |  |  |  | 48.834% | 44.589% | 48.834% | 10/04/2022 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4374.06 | xxxxxx | 5.730% | $0.00 | 2.7 |  |  |  | No | No | 8.125% | 2 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 | xxxxxx | $74689.85 |  | No | 8 |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 40.25 |  | No | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 777248 | xxxxxx | N/A |  |  | xxxxxx | No | No | $32071.00 | $17948.96 | xxxxxx | 10.231% | $2855.96 | $2855.96 | 9.625% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4645.19 | 2 | xxxxxx | $2820.00 | xxxxxx | $235.00 |  |  |  |  |  | 33.913% | 33.913% | 33.913% | 08/11/2022 | 671 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; WVOE - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2021<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2020<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 Transcript - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $32071.00 | xxxxxx | 5.200% | $12600.00 |  |  |  |  | No | No | 9.625% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $106200.74 | 25.280% | No | 7 |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.06 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 779279 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $15861.25 | $18652.92 | xxxxxx | 7.696% | $9614.20 | $9743.88 | 7.637% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10046.05 | 1 | xxxxxx | $2490.00 | xxxxxx | $207.50 |  |  |  |  |  | 54.967% | 62.242% | 54.967% | 09/15/2022 | 678 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $15861.25 | xxxxxx | 6.280% | $0.00 |  |  |  |  | Yes | No | 7.637% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $316345.40 |  | No | 32 |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 26.53 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 779735 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1152.08 | $1152.08 | 9.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1712.88 | xxxxxx | $142.74 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/03/2022 | 670 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 9.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.64 | 1.57 |  |  |  |  |  |  | 240 | xxxxxx | $43600.81 |  | No |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 28.41 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 776595 | xxxxxx | N/A |  |  | xxxxxx | No | No | $9675.34 | $9767.20 | xxxxxx | 10.835% | $1068.07 | $1068.07 | 9.875% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $24344.76 | 1 | xxxxxx | $992.76 | xxxxxx | $82.73 |  |  |  |  |  | 46.217% | 46.217% | 46.217% | 08/01/2022 | 652 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 80.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019 |  | Alternative Documentation (A) | 12mo Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No | xxxxxx | xxxxxx | $9675.34 | xxxxxx | 5.370% | $0.00 | 1.1 |  |  |  | N/A | No | 9.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $109168.16 |  | No |  |  |  |  |  | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 105.78 |  | Yes | No | xxxxxx | $45265.15 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 779558 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4142.03 | $4142.03 | 8.875% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1095.00 | xxxxxx | $91.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/05/2022 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3 |  |  |  | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.86 | 1.16 |  |  |  |  |  |  |  | xxxxxx | $372023.82 | 51.310% | No |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 34.9 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 779081 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $10185.00 | $19807.07 | xxxxxx | 11.243% | $3881.21 | $3881.21 | 10.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7717.76 | 1 | xxxxxx | $1072.32 | xxxxxx | $89.36 | xxxxxx |  | $96.00 |  | Monthly | 44.958% | 44.958% | 44.958% | 10/17/2022 | 662 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $10185.00 | xxxxxx | 6.380% | $0.00 | 2.9 |  |  |  | Yes | No | 10.625% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $72663.88 |  | No |  |  |  |  | UTD | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 40.14 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 780524 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $9410.62 | $11924.87 | xxxxxx | 9.330% | $2715.60 | $2715.60 | 9.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $2766.80 | 1 | xxxxxx | $971.04 | xxxxxx | $80.92 |  |  |  |  |  | 53.203% | 53.203% | 53.203% | 09/14/2022 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 12.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 12.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9410.62 | xxxxxx | 7.000% | $5000.00 | 1.3 |  |  |  | N/A | No | 9.000% | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $53686.17 | 14.310% | No |  |  |  |  | UTD | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.66 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 780604 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $5930.00 | $7838.27 | xxxxxx | 10.008% | $1755.65 | $1755.65 | 9.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4559.48 | 1 | xxxxxx | $437.04 | xxxxxx | $36.42 | xxxxxx |  | $380.00 |  | Monthly | 41.115% | 41.115% | 41.115% | 08/30/2022 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5930.00 | xxxxxx | 7.030% | $0.00 | 2 |  |  |  | No | No | 9.625% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $57917.51 | 23.830% | No |  |  |  |  | UTD | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.85 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 780732 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $11626.03 | $14951.12 | xxxxxx | 8.957% | $2568.32 | $2568.32 | 8.500% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $33103.15 | 1 | xxxxxx | $3947.04 | xxxxxx | $328.92 |  |  |  |  |  | 9.227% | 9.227% | 9.227% | 10/10/2022 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Fastrack |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11626.03 | xxxxxx | 7.030% | $0.00 | 2.2 |  |  |  | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $3573.57 | 0.850% | No |  |  |  |  | UTD | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 14.3 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 780379 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $8700.63 | $10457.25 | xxxxxx | 8.292% | $3607.02 | $3607.02 | 8.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7592.79 | 1 | xxxxxx | $1779.00 | xxxxxx | $148.25 | xxxxxx |  | $180.00 |  | Monthly | 41.763% | 41.763% | 41.763% | 10/19/2022 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022 |  | Full Documentation (F) | 2yr P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8700.63 | xxxxxx | 6.380% | $0.00 | 3.6 |  |  |  | N/A | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 20.97 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $193004.80 |  | No |  |  |  |  | UTD | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 42 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 781375 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $8311.25 | $9292.07 | xxxxxx | 9.041% | $1422.49 | $1422.49 | 8.500% | No | No | Self-Employed | Non-Employment Income |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $3955.83 | 1 | xxxxxx | $4793.04 | xxxxxx | $399.42 |  |  |  |  |  | 43.894% | 43.894% | 43.894% |  | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 87.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Social Security]; Account Statements - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Social Security]; 1099-SSA - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - Social Security]; 1099-SSA - 2020 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8311.25 | xxxxxx | 7.030% | $0.00 | 4.4 |  |  |  | No | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $23292.78 |  | No |  |  |  |  | UTD | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 9.87 |  |  | No | xxxxxx | $906.10 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 779990 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2898.67 | $2898.67 | 7.740% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2387.76 | xxxxxx | $198.98 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/28/2022 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.740% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.94 |  |  |  |  |  |  |  | xxxxxx |  |  | Yes |  |  |  |  | UTD | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 6.53 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 779994 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $562.92 | $562.92 | 8.240% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1332.00 | xxxxxx | $111.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/09/2022 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.240% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 3.29 | 0.3 |  |  |  |  |  |  |  | xxxxxx | $65451.43 |  | No |  |  |  |  | UTD | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 84.55 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 779950 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1477.17 | $1477.17 | 8.990% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $945.36 | xxxxxx | $78.78 | xxxxxx |  | $3792.00 |  | Annually | 0.000% | 0.000% | 0.000% | 08/15/2022 | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.95 | 1.06 |  |  |  |  |  |  |  | xxxxxx | $3324.64 | 1.350% | No |  |  |  |  | UTD | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 779964 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1808.78 | $1808.78 | 8.990% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2273.04 | xxxxxx | $189.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/19/2022 | 699 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.81 | 1.24 |  |  |  |  |  |  |  | xxxxxx | $70668.90 | 23.550% | No |  |  |  |  | UTD | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.4 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 780023 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2042.58 | $2042.58 | 8.740% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $846.96 | xxxxxx | $70.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/28/2022 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.740% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.77 | 1.3 |  |  |  |  |  |  |  | xxxxxx | $84381.34 | 24.350% | No |  |  |  |  | UTD | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 8.75 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 779985 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4981.19 | $4981.19 | 8.740% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $1605.00 | xxxxxx | $133.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/05/2022 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.740% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | xxxxxx | $35410.43 |  | No |  |  |  |  | UTD | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 6.38 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 779977 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $630.09 | $630.09 | 9.490% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $1865.04 | xxxxxx | $155.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/02/2022 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.490% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.94 | 0.52 |  |  |  |  |  |  |  | xxxxxx | $66216.85 |  | No |  |  |  |  | UTD | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 77.79 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 779980 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $664.16 | $664.16 | 8.740% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $822.00 | xxxxxx | $68.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/18/2022 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.740% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.5 | 0.66 |  |  |  |  |  |  |  | xxxxxx | $2000.00 | 1.530% | No |  |  |  |  | UTD | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 88.36 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 779995 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2571.31 | $2571.31 | 9.990% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 2 | xxxxxx | $1395.00 | xxxxxx | $116.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/25/2022 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $111856.36 |  | No |  |  |  |  | UTD | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 37.77 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 780044 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2721.53 | $2721.53 | 7.740% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $3651.24 | xxxxxx | $304.27 | xxxxxx |  | $1200.00 |  | Annually | 0.000% | 0.000% | 0.000% | 08/11/2022 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.740% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | xxxxxx | $10000.00 | 1.970% | No |  |  |  |  | UTD | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 123.02 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 778448 | xxxxxx | N/A |  |  | xxxxxx | No | No | $58752.82 | $13593.56 |  | 8.617% | $6773.44 | $7352.74 | 8.500% | No | No | Not Employed | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $11233.18 | 1 | xxxxxx | $1554.00 | xxxxxx | $129.50 |  |  |  |  |  | 46.225% | 43.452% | 46.225% | 09/09/2022 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2020 | [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $58752.82 |  | 5.730% | $0.00 |  |  |  |  | N/A | No | 8.500% | 0 | 2 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 360 | xxxxxx | $171763.94 |  | No |  |  |  |  | UTD | Final | Fee Simple | LLC | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 20.1 |  | No | No | xxxxxx | $0.00 | $20889.18 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 781985 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1497.90 | $1497.90 | 9.875% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | $1017.96 | xxxxxx | $84.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/14/2022 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.5 |  |  |  | Yes | No | 9.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  |  | xxxxxx | $82571.02 | 35.900% | No |  |  |  |  | UTD | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 5.66 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 780827 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1172.75 | $1172.75 | 9.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $432.96 | xxxxxx | $36.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/19/2022 | 664 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.7 |  |  |  | N/A | No | 9.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.92 |  |  |  |  |  |  |  | xxxxxx | $84821.12 |  | No |  |  |  |  | UTD | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 63.31 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 780370 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3801.84 | $3801.84 | 9.000% | No | No |  |  |  |  |  |  | Foreign National | Foreign National |  |  |  |  |  |  |  | 1 | xxxxxx | $2919.72 | xxxxxx | $243.31 | xxxxxx |  | $37.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 11/01/2022 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 9.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $300992.70 | 47.770% | No |  |  |  |  | UTD | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 31.34 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | No | No | Property Focused |
| xxxxxx | 780506 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1894.44 | $1894.44 | 9.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1359.96 | xxxxxx | $113.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/25/2022 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.5 |  |  |  | No | No | 9.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.43 | 0.7 |  |  |  |  |  |  |  | xxxxxx | $207094.90 |  | No |  |  |  |  | UTD | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 104.69 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 783054 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1949.06 | $1949.06 | 8.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $842.04 | xxxxxx | $70.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/18/2022 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.5 | 0.67 |  |  |  |  |  |  | 240 | xxxxxx | $177436.72 |  | No |  |  |  |  | UTD | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 75.8 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 782577 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $10210.00 | $12876.99 | xxxxxx | 8.732% | $2812.27 | $2812.27 | 8.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7050.35 | 1 | xxxxxx | $1101.84 | xxxxxx | $91.82 | xxxxxx | xxxxxx | $1011.31 |  | Monthly | 41.221% | 41.221% | 41.221% | 10/12/2022 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10210.00 | xxxxxx | 6.370% | $0.00 | 1 |  |  |  | Yes | No | 8.375% | 0 |  | 0 | 0 | 4 | 0 |  |  | 12.03 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $575583.90 | 85.900% | No |  |  |  |  | UTD | Final | Leasehold | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No | Yes | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 48.63 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 782816 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $13405.00 | $14855.05 | xxxxxx | 9.307% | $2959.80 | $2959.80 | 8.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $13670.49 | 1 | xxxxxx | $2262.84 | xxxxxx | $188.57 | xxxxxx |  | $53.00 |  | Monthly | 24.996% | 24.996% | 24.996% | 11/16/2022 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020 | Full Documentation (F) | 2yr P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $13405.00 | xxxxxx | 6.370% | $0.00 | 1 |  |  |  | Yes | No | 8.875% | 0 |  | 0 | 0 | 2 | 0 |  |  | 22.97 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $190304.42 | 40.920% | No |  |  |  |  | UTD | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.36 |  | No | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 781923 | xxxxxx | N/A |  |  | xxxxxx | No | No | $23350.00 | $5988.78 | xxxxxx | 9.511% | $3526.62 | $3526.62 | 9.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $56417.58 | 1 | xxxxxx | $2916.00 | xxxxxx | $243.00 | xxxxxx |  | $0.00 |  |  | 12.504% | 12.504% | 12.504% | 10/12/2022 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $23350.00 | xxxxxx | 7.000% | $0.00 | 1 |  |  |  | Yes | No | 9.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $10000.00 | 1.880% | No |  |  |  |  | UTD | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.67 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 782313 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $20145.00 | $23516.13 | xxxxxx | 9.418% | $12340.13 | $12340.13 | 9.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $69948.10 | 1 | xxxxxx | $1139.04 | xxxxxx | $94.92 | xxxxxx | xxxxxx | $1749.50 |  | Monthly | 22.362% | 22.362% | 22.362% | 11/01/2022 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $20145.00 | xxxxxx | 6.470% | $0.00 | 1 |  |  |  | N/A | No | 9.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $288879.70 | 12.690% | No |  |  |  |  | UTD | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.19 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 782854 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1307.32 | $1307.32 | 8.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2412.72 | xxxxxx | $201.06 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/03/2022 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.7 |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.8 |  |  |  |  |  |  |  | xxxxxx | $159516.09 |  | No |  |  |  |  | UTD | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 94.99 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 782368 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1634.16 | $1634.16 | 8.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2208.00 | xxxxxx | $184.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/22/2022 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | xxxxxx | $89039.93 |  | No |  |  |  |  | UTD | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 143.43 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 782509 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2447.46 | $2447.46 | 9.250% | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2258.04 | xxxxxx | $188.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 9.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | xxxxxx | $146356.76 | 34.430% | No |  |  |  |  | UTD | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 783543 | xxxxxx | N/A |  |  | xxxxxx | No | No | $14190.00 | $9262.56 | xxxxxx | 10.725% | $1596.28 | $1596.28 | 10.125% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $6693.20 | 1 | xxxxxx | $603.00 | xxxxxx | $50.25 |  |  |  |  |  | 22.078% | 22.078% | 22.078% | 01/04/2023 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14190.00 | xxxxxx | 6.490% | $0.00 | 1 |  |  |  | N/A | No | 10.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $164180.71 | 51.300% | No |  |  |  |  | UTD | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | 90.35 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | Mortgagor Focused |
| xxxxxx | 783651 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $7169.53 | $7169.53 | 8.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2111.64 | xxxxxx | $175.97 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/09/2022 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.51 | 0.66 |  |  |  |  |  |  | 240 | xxxxxx | $72314.46 |  | No |  |  |  |  | UTD | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 9.49 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 784562 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1084.30 | $1084.30 | 10.740% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1466.04 | xxxxxx | $122.17 | xxxxxx |  | $265.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 11/02/2022 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 10.740% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.95 | 1.05 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | UTD | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 40.12 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 784012 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $11229.11 | $12064.47 | xxxxxx | 9.455% | $1909.55 | $1909.55 | 8.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5811.36 | 1 | xxxxxx | $1365.00 | xxxxxx | $113.75 | xxxxxx |  | $490.00 |  | Monthly | 39.209% | 39.209% | 39.209% | 12/22/2022 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Business License - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11229.11 | xxxxxx | 6.260% | $0.00 |  |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 2 | 0 |  |  | 11.97 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $34189.05 | 11.390% | No |  |  |  |  | UTD | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.29 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 783599 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $18677.38 | $19563.89 | xxxxxx | 7.654% | $4080.22 | $5297.70 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $20852.19 | 1 | xxxxxx | $3849.96 | xxxxxx | $320.83 |  |  |  |  |  | 40.612% | 37.144% | 40.612% | 12/23/2022 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2021 |  | Full Documentation (F) | 2yr P&L | Chapter 7 |  | xxxxxx | 1 | 95.04 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $18677.38 | xxxxxx | 6.530% | $20750.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 23.97 | No |  |  |  |  |  |  |  |  | 240 | xxxxxx | $43144.03 | 5.190% | No |  |  |  |  | UTD | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.29 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 783105 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2675.37 | $2675.37 | 9.000% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3015.00 | xxxxxx | $251.25 | xxxxxx |  | $328.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 12/21/2022 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.3 |  |  |  | Yes | No | 9.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.86 | 1.16 |  |  |  |  |  |  |  | xxxxxx | $91203.19 |  | No |  |  |  |  | UTD | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 24.51 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 783983 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4143.70 | $4143.70 | 9.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3663.96 | xxxxxx | $305.33 | xxxxxx |  | $375.00 |  | Annually | 0.000% | 0.000% | 0.000% | 01/05/2023 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.68 | 1.47 |  |  |  |  |  |  |  | xxxxxx | $181396.46 | 27.900% | No |  |  |  |  | UTD | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 15.17 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 784974 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $368.23 | $368.23 | 5.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $510.96 | xxxxxx | $42.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/04/2021 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 5.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.78 |  |  |  |  |  |  |  | xxxxxx | $12402.80 |  | No |  |  |  |  | UTD | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 22.83 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 783138 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $11468.45 | $14075.25 | xxxxxx | 10.762% | $2701.75 | $2701.75 | 10.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7037.87 | 1 | xxxxxx | $1083.96 | xxxxxx | $90.33 |  |  |  |  |  | 31.140% | 31.140% | 31.140% | 12/20/2022 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Fastrack |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11468.45 | xxxxxx | 6.490% | $10650.00 | 1 |  |  |  | N/A | No | 10.250% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $3000.00 | 0.890% | No |  |  |  |  | UTD | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.51 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 784091 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2306.74 | $2306.74 | 8.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3930.84 | xxxxxx | $327.57 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/15/2023 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.4 |  |  |  | No | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | xxxxxx | $256596.41 |  | No |  |  |  |  | UTD | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 70.99 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 784274 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1373.53 | $1373.53 | 8.625% | No | No |  |  |  |  | 0 |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  |  |  |  |  | 1 | xxxxxx | $761.04 | xxxxxx | $63.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/13/2023 | 692 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  | 240 | xxxxxx | $176810.77 |  | No |  |  |  |  | UTD | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 93.34 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 785783 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2697.50 | $2697.50 | 9.000% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1598.04 | xxxxxx | $133.17 | xxxxxx |  | $180.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 02/23/2023 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.94 | 1.07 |  |  |  |  |  |  |  | xxxxxx | $539847.95 | 100.000% | No |  |  |  |  | UTD | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 26.42 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 785735 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2571.71 | $2571.71 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1365.96 | xxxxxx | $113.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/30/2023 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  |  |  |  |  | xxxxxx | $14817.34 |  | No |  |  |  |  | UTD | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 10.61 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 786297 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7745.00 | $13161.13 |  | 9.011% | $3625.35 | $4195.43 | 9.476% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5799.59 | 1 | xxxxxx | $0.00 | xxxxxx | $0.00 | xxxxxx |  | $189.00 |  | Monthly | 46.793% | 47.502% | 46.793% | 02/22/2023 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7745.00 |  | 6.900% | $0.00 | 1 |  |  |  | Yes | No | 9.476% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $155008.58 | 24.800% | No |  |  |  |  | UTD | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.96 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 786064 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5766.85 | $5766.85 | 8.500% | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1937.04 | xxxxxx | $161.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/08/2023 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx | $925045.12 | 60.650% | No |  |  |  |  | UTD | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.12 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 786776 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $6445.00 | $9077.10 |  | 9.372% | $2360.10 | $2490.23 | 9.352% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10097.33 | 1 | xxxxxx | $960.96 | xxxxxx | $80.08 |  |  |  |  |  | 35.549% | 37.283% | 35.549% | 02/07/2023 | 678 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Business License - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2019 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6445.00 |  | 6.640% | $0.00 | 1 |  |  |  | N/A | No | 9.352% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $119990.17 | 29.990% | No |  |  |  |  | UTD | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.29 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 785095 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $10375.00 | $11713.63 | xxxxxx | 8.895% | $3453.39 | $3453.39 | 8.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9237.58 | 1 | xxxxxx | $1629.24 | xxxxxx | $135.77 |  |  |  |  |  | 37.633% | 37.633% | 37.633% | 02/01/2023 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10375.00 | xxxxxx | 6.060% | $0.00 | 1 |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $62917.99 | 11.330% | No |  |  |  |  | UTD | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.45 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 785578 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2498.97 | $2498.97 | 8.500% | No | No |  |  |  |  | 0 |  |  | Foreign National | Foreign National |  |  |  |  |  |  | 2 | xxxxxx | $1341.24 | xxxxxx | $111.77 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.91 | 0.52 |  |  |  |  |  |  |  | xxxxxx | $305903.78 |  | No |  |  |  |  | UTD | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 91.47 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 785589 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3904.57 | $3904.57 | 10.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 6 | xxxxxx | $3882.96 | xxxxxx | $323.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/27/2023 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 10.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.98 |  |  |  |  |  |  |  | xxxxxx | $201599.25 | 35.060% | No |  |  |  |  | UTD | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.17 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 786610 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $13850.00 | $17816.39 | xxxxxx | 9.174% | $7600.72 | $8421.12 | 9.517% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $16540.61 | 1 | xxxxxx | $1297.20 | xxxxxx | $108.10 | xxxxxx |  | $1030.00 |  | Annually | 39.909% | 41.726% | 39.909% | 02/06/2023 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2023 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $13850.00 | xxxxxx | 7.050% | $0.00 | 1.7 |  |  |  | N/A | No | 9.517% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $258596.34 | 20.680% | No | 25 |  |  |  | UTD | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 8.68 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 784133 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $13758.93 | $14624.63 | xxxxxx | 9.034% | $2341.34 | $2341.34 | 8.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3394.62 | 1 | xxxxxx | $2001.00 | xxxxxx | $166.75 | xxxxxx |  | $675.00 |  | Annually | 46.376% | 46.376% | 46.376% | 01/14/2023 | 634 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019 | Alternative Documentation (A) | 12mo Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 0 | 0 | No | xxxxxx | xxxxxx | $13758.93 | xxxxxx | 6.830% | $0.00 | 1.6 |  |  |  | Yes | No | 8.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $36658.74 |  | No |  |  |  |  | UTD | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.49 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 3 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 786601 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2421.66 | $2421.66 | 9.500% | No | No |  |  |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | $1220.04 | xxxxxx | $101.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/20/2023 | 658 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | xxxxxx | $277796.21 |  | No |  |  |  |  | UTD | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 86.92 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 784995 | xxxxxx | N/A |  |  | xxxxxx | No | No | $43392.50 | $20422.57 | xxxxxx | 9.357% | $3858.88 | $3858.88 | 8.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $14425.59 | 1 | xxxxxx | $18722.04 | xxxxxx | $1560.17 |  |  |  |  |  | 38.196% | 38.196% | 38.196% | 02/02/2023 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2004 | [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020 | Alternative Documentation (A) | 12mo Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $43392.50 | xxxxxx | 6.090% | $0.00 | 1 |  |  |  | No | No | 8.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $411932.17 |  | No |  |  |  |  | UTD | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 59.08 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 787164 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3341.71 | $3341.71 | 8.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1388.04 | xxxxxx | $115.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/20/2023 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | xxxxxx | $107831.64 |  | No |  |  |  |  | UTD | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 243.55 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 787165 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3729.59 | $3729.59 | 8.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1463.04 | xxxxxx | $121.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/20/2023 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | xxxxxx | $154723.70 |  | No |  |  |  |  | UTD | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 231.28 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 786725 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2212.82 | $2212.82 | 9.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $976.92 | xxxxxx | $81.41 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/01/2023 | 661 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 9.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.91 | 1.1 |  |  |  |  |  |  | 240 | xxxxxx | $110631.37 |  | No |  |  |  |  | UTD | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 44.89 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 786015 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1900.18 | $1900.18 | 8.375% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $2060.04 | xxxxxx | $171.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/28/2023 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.2 |  |  |  | Yes | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | xxxxxx | $718773.94 | 100.000% | No |  |  |  |  | UTD | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 163.03 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 786577 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $8541.26 | $10843.28 | xxxxxx | 9.311% | $2756.34 | $2756.34 | 9.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $131800.04 | 1 | xxxxxx | $2201.04 | xxxxxx | $183.42 | xxxxxx |  | $2300.00 |  | Monthly | 6.319% | 6.319% | 6.319% | 03/16/2023 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023 | [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020 | Alternative Documentation (A) | 12mo Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8541.26 | xxxxxx | 6.480% | $13702.50 | 1.5 |  |  |  | Yes | No | 9.000% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $9672.81 | 2.110% | No |  |  |  |  | UTD | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.58 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 786443 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $13472.00 | $15299.04 |  | 8.177% | $1953.51 | $1953.51 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11146.65 | 1 | xxxxxx | $1086.96 | xxxxxx | $90.58 | xxxxxx |  | $120.00 |  | Monthly | 20.824% | 20.824% | 20.824% | 01/20/2023 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023 | [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $13472.00 | xxxxxx | 6.350% | $20700.00 | 1 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $120102.17 | 34.810% | No |  |  |  |  | UTD | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.34 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 786262 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1166.68 | $1166.68 | 8.625% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1352.04 | xxxxxx | $112.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/01/2023 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.6 |  |  |  | No | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | UTD | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No |  |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 786946 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $10198.23 | $10198.23 | 8.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $4636.08 | xxxxxx | $386.34 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/14/2023 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.8 |  |  |  | No | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  | 240 | xxxxxx | $405788.77 |  | No |  |  |  |  | UTD | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 32.42 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 784774 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $1329.00 | $8202.19 | xxxxxx | 7.683% | $4504.46 | $4504.46 | 7.625% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $119224.73 | 1 | xxxxxx | $3498.00 | xxxxxx | $291.50 | xxxxxx |  | $950.00 |  | Annually | 8.177% | 8.177% | 8.177% | 03/06/2023 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1329.00 | xxxxxx | 6.590% | $7500.00 |  |  |  |  | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $318082.03 | 24.940% | No |  |  |  |  | UTD | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 22.69 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 789757 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2784.36 | $2784.36 | 8.125% | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  |  | 1 | xxxxxx | $4813.32 | xxxxxx | $401.11 | xxxxxx |  | $190.00 |  | Annually | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.4 |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | xxxxxx | $29349.81 |  | No |  |  |  |  | UTD | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 99.4 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 790794 | xxxxxx | N/A |  |  | xxxxxx | No | No | $113891.00 | $43323.55 | xxxxxx | 7.981% | $10081.46 | $12815.01 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $133266.60 | 1 | xxxxxx | $3682.20 | xxxxxx | $306.85 |  |  |  |  |  | 24.395% | 22.844% | 24.395% | 04/05/2023 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 36 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $113891.00 | xxxxxx | 6.440% | $0.00 | 3.4 |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | xxxxxx | $147652.05 |  | No |  |  |  |  | UTD | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.97 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 790387 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2605.60 | $2605.60 | 8.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $1640.04 | xxxxxx | $136.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/17/2023 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.95 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | UTD | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 41.6 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 790478 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3651.85 | $3651.85 | 8.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $812.04 | xxxxxx | $67.67 | xxxxxx |  | $290.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 05/23/2023 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.77 | 1.31 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | UTD | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 118.74 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 791275 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2994.30 | $2994.30 | 9.375% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2885.04 | xxxxxx | $240.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/22/2023 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 9.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.81 | 1.24 |  |  |  |  |  |  |  | xxxxxx | $40000.00 | 8.330% | No |  |  |  |  | UTD | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.37 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 791877 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3420.33 | $3420.33 | 8.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 7 | xxxxxx | $4381.92 | xxxxxx | $365.16 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/04/2023 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.38 | 0.72 |  |  |  |  |  |  |  | xxxxxx | $217317.13 | 36.210% | No |  |  |  |  | UTD | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.37 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 790369 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $14662.50 | $16582.40 |  | 8.735% | $3845.97 | $3845.97 | 8.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8184.25 | 3 | xxxxxx | $1760.16 | xxxxxx | $146.68 |  |  |  |  |  | 37.160% | 37.160% | 37.160% | 05/18/2023 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14662.50 |  | 6.390% | $15867.00 |  |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 15.97 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $4644.94 | 0.600% | No |  |  |  |  | UTD | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.1 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 791968 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2246.56 | $2246.56 | 9.750% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $420.96 | xxxxxx | $35.08 | xxxxxx |  | $701.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 05/19/2023 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.57 | 1.74 |  |  |  |  |  |  | 240 | xxxxxx | $2771861.19 | 100.000% | No |  |  |  |  | UTD | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 866.2 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 790858 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $6173.00 | $7198.36 | xxxxxx | 9.121% | $1718.15 | $1718.15 | 8.750% | No | No | Not Employed | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $14971.47 | 1 | xxxxxx | $1236.00 | xxxxxx | $103.00 |  |  |  |  |  | 21.559% | 21.559% | 21.559% | 05/30/2023 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Employer Letter - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2021 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6173.00 | xxxxxx | 6.680% | $0.00 | 1 |  |  |  | No | No | 8.750% | 0 | 2 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $87682.00 | 32.110% | No |  |  |  |  | UTD | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 10.7 |  | No | No | xxxxxx | $0.00 | $19086.29 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 790784 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $19121.02 | $19121.02 | 9.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $14967.12 | xxxxxx | $1247.26 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/08/2023 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.74 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | UTD | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 36.76 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 792731 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2287.61 | $2287.61 | 8.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $801.00 | xxxxxx | $66.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/01/2023 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.85 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | UTD | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 11.67 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 791942 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1480.81 | $1480.81 | 9.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $729.00 | xxxxxx | $60.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/05/2023 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 9.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.85 | 1.18 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | UTD | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 108.61 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 791845 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1848.98 | $1848.98 | 9.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2346.60 | xxxxxx | $195.55 | xxxxxx |  | $400.00 |  | Annually | 0.000% | 0.000% | 0.000% | 06/25/2023 | 663 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 9.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.87 | 1.15 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | UTD | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 27.09 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 792812 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1629.23 | $1629.23 | 7.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $810.00 | xxxxxx | $67.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/01/2023 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.8 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | UTD | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 36.08 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 792746 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2287.61 | $2287.61 | 8.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1230.12 | xxxxxx | $102.51 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/01/2023 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.86 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | UTD | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 13.4 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 790990 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1633.49 | $1633.49 | 8.125% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 3 | xxxxxx | $4377.24 | xxxxxx | $364.77 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/07/2023 | 692 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.12 | 0.47 |  |  |  |  |  |  |  | xxxxxx |  |  | Yes |  |  |  |  | UTD | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 15.88 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 792769 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1102.76 | $1102.76 | 8.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $948.96 | xxxxxx | $79.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/14/2023 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.82 | 1.22 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | UTD | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 19.14 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 792764 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2470.23 | $2470.23 | 8.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1244.16 | xxxxxx | $103.68 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/01/2023 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.79 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | UTD | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | 163.44 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 792424 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2213.59 | $2213.59 | 8.500% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  | 1 | xxxxxx | $3202.32 | xxxxxx | $266.86 | xxxxxx |  | $567.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/15/2023 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.89 | 0.53 |  |  |  |  |  |  |  | xxxxxx | $237410.32 | 53.600% | No |  |  |  |  | UTD | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 12.43 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | No | No | Property Focused |
| xxxxxx | 792438 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $22514.00 | $25323.25 | xxxxxx | 8.932% | $3625.54 | $3625.54 | 8.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8542.92 | 1 | xxxxxx | $2319.96 | xxxxxx | $193.33 |  |  |  |  |  | 36.395% | 36.395% | 36.395% | 03/30/2023 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $22514.00 | xxxxxx | 6.670% | $4850.00 | 1.6 |  |  |  | Yes | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $92694.56 | 17.480% | No |  |  |  |  | UTD | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.21 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 793790 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1974.45 | $1974.45 | 8.750% | No | No |  |  |  |  | 0 |  |  | xxxxxx | Not Provided |  |  |  |  |  |  | 1 | xxxxxx | $2605.08 | xxxxxx | $217.09 | xxxxxx |  | $350.00 |  | Annually | 0.000% | 0.000% | 0.000% | 06/23/2023 | 670 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx | $7808.97 | 2.080% | No |  |  |  |  | UTD | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 7.49 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 792780 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1582.68 | $1582.68 | 8.990% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $576.00 | xxxxxx | $48.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/21/2023 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.86 | 1.16 |  |  |  |  |  |  |  | xxxxxx | $516786.79 | 100.000% | No |  |  |  |  | UTD | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 252.91 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 794107 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $9645.00 | $11225.39 | xxxxxx | 9.960% | $2319.66 | $2319.66 | 9.500% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3449.10 | 1 | xxxxxx | $1116.00 | xxxxxx | $93.00 |  |  |  |  |  | 43.136% | 43.136% | 43.136% | 06/15/2023 | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2023 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9645.00 | xxxxxx | 6.860% | $0.00 | 1 |  |  |  | Yes | No | 9.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No | 29 |  |  |  | UTD | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 28.6 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 792433 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $33389.98 | $44142.76 | xxxxxx | 8.265% | $11740.23 | $11740.23 | 8.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $34789.81 | 1 | xxxxxx | $854.04 | xxxxxx | $71.17 |  |  |  |  |  | 35.369% | 35.369% | 35.369% | 06/21/2023 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023 | [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $33389.98 | xxxxxx | 6.670% | $0.00 | 1.8 |  |  |  | Yes | No | 8.000% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $220846.46 | 11.040% | No |  |  |  |  | UTD | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.31 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 792552 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $8815.56 | $11430.73 | xxxxxx | 8.796% | $1742.94 | $1742.94 | 8.250% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $3987.04 | 1 | xxxxxx | $1473.96 | xxxxxx | $122.83 |  |  |  |  |  | 34.258% | 34.258% | 34.258% | 06/13/2023 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2023 | [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8815.56 | xxxxxx | 6.670% | $5000.00 | 1 |  |  |  | No | No | 8.250% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $81908.59 | 28.240% | No |  |  |  |  | UTD | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 47.79 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 793275 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3759.82 | $3759.82 | 8.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1578.00 | xxxxxx | $131.50 | xxxxxx |  | $523.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/01/2023 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.6 |  |  |  | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.93 | 1.08 |  |  |  |  |  |  |  | xxxxxx | $937099.89 | 100.000% | No |  |  |  |  | UTD | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 121.5 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 792073 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2165.85 | $2165.85 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $4251.00 | xxxxxx | $354.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/26/2023 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | xxxxxx | $100000.00 | 19.600% | No |  |  |  |  | UTD | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 8.19 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 792929 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2116.60 | $2116.60 | 9.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $2117.52 | xxxxxx | $176.46 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/23/2023 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.83 | 1.2 |  |  |  |  |  |  |  | xxxxxx | $14832.00 |  | No |  |  |  |  | UTD | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 2.63 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 794779 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7350.00 | $11741.67 | xxxxxx | 9.210% | $4298.47 | $5295.91 | 10.069% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $14065.60 | 1 | xxxxxx | $2157.00 | xxxxxx | $179.75 |  |  |  |  |  | 36.546% | 35.533% | 36.546% | 07/18/2023 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2023 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7350.00 | xxxxxx | 7.290% | $0.00 | 1 |  |  |  | N/A | No | 10.069% | 0 |  | 0 | 0 | 0 | 0 |  |  | 17.97 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $212053.32 | 26.500% | No |  |  |  |  | UTD | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 1.33 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 794640 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $10195.00 | $14796.67 | xxxxxx | 8.461% | $3266.99 | $3266.99 | 8.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10825.70 | 1 | xxxxxx | $2169.00 | xxxxxx | $180.75 |  |  |  |  |  | 28.266% | 28.266% | 28.266% | 06/23/2023 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2023 | [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10195.00 | xxxxxx | 6.860% | $0.00 | 1 |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 2 | 0 |  |  | 17.97 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $72916.58 | 13.250% | No |  |  |  |  | UTD | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.93 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 794645 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $6598.13 | $3434.69 | xxxxxx | 8.309% | $3127.15 | $3127.15 | 8.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6250.61 | 1 | xxxxxx | $3558.96 | xxxxxx | $296.58 | xxxxxx |  | $720.00 |  | Annually | 43.401% | 43.401% | 43.401% | 06/29/2023 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023 | [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6598.13 | xxxxxx | 6.630% | $5000.00 | 1 |  |  |  | Yes | No | 8.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $177059.34 | 31.900% | No |  |  |  |  | UTD | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.23 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 794607 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7269.20 | $10979.34 | xxxxxx | 7.944% | $3782.08 | $3782.08 | 7.750% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5989.78 | 1 | xxxxxx | $1888.92 | xxxxxx | $157.41 |  |  |  |  |  | 48.681% | 48.681% | 48.681% | 05/22/2023 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2023 | [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021 | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7269.20 | xxxxxx | 6.460% | $4300.00 | 1 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $124236.80 | 18.820% | No | 28 |  |  |  | UTD | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.32 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 794593 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $10440.00 | $15608.70 | xxxxxx | 7.612% | $4144.05 | $4144.05 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $21150.68 | 1 | xxxxxx | $678.12 | xxxxxx | $56.51 | xxxxxx |  | $354.00 |  | Monthly | 25.255% | 25.255% | 25.255% | 04/28/2023 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2022 | [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10440.00 | xxxxxx | 6.400% | $0.00 | 2 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 1 | 0 |  |  | 15.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $200299.90 | 25.030% | No |  |  |  |  | UTD | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.23 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 794808 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3581.94 | $3581.94 | 9.875% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 8 | xxxxxx | $6627.00 | xxxxxx | $552.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/14/2023 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.76 |  |  |  |  |  |  |  | xxxxxx | $173370.61 | 31.520% | No |  |  |  |  | UTD | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 25.88 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 791848 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $11835.04 | $12890.91 | xxxxxx | 8.047% | $1748.04 | $1748.04 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3060.21 | 1 | xxxxxx | $0.00 | xxxxxx | $0.00 | xxxxxx |  | $400.00 |  | Monthly | 49.688% | 49.688% | 49.688% | 06/28/2023 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Account Statements - Business - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2022 |  | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11835.04 | xxxxxx | 6.630% | $0.00 | 1.1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | xxxxxx | $103636.16 |  | No |  |  |  |  | UTD | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 43.62 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 793769 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3794.17 | $4017.14 | 7.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1836.60 | xxxxxx | $153.05 | xxxxxx |  | $104.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/13/2023 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.2 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  | 360 | xxxxxx |  |  | No |  |  |  |  | UTD | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 21.88 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 794829 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $13102.25 | $20203.32 | xxxxxx | 9.178% | $5262.19 | $6347.33 | 10.101% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9266.83 | 1 | xxxxxx | $1851.00 | xxxxxx | $154.25 |  |  |  |  |  | 46.435% | 40.162% | 46.435% | 07/26/2023 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2023 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $13102.25 | xxxxxx | 7.150% | $0.00 | 1.3 |  |  |  | Yes | No | 10.101% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $362480.51 | 35.380% | No | 31 |  |  |  | UTD | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.7 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 793196 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $16065.00 | $19778.94 | xxxxxx | 8.485% | $3860.99 | $3860.99 | 8.125% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $7373.99 | 1 | xxxxxx | $1709.04 | xxxxxx | $142.42 | xxxxxx |  | $31.00 |  | Monthly | 37.017% | 37.017% | 37.017% | 07/17/2023 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2023 | [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $16065.00 | xxxxxx | 6.720% | $0.00 | 1.8 |  |  |  | Yes | No | 8.125% | 0 |  | 0 | 0 | 2 | 0 |  |  | 17.97 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $45162.90 | 6.940% | No |  |  |  |  | UTD | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 29.17 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 793641 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $22389.00 | $33545.91 | xxxxxx | 10.078% | $8720.42 | $8720.42 | 9.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $184884.84 | 1 | xxxxxx | $8150.16 | xxxxxx | $679.18 |  |  |  |  |  | 5.835% | 5.835% | 5.835% | 06/14/2023 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2019 | [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $22389.00 | xxxxxx | 6.720% | $0.00 |  |  |  |  | N/A | No | 9.750% | 0 |  | 0 | 0 | 2 | 0 |  |  | 17.97 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $290000.00 | 19.220% | No |  |  |  |  | UTD | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 155.85 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 793320 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1733.52 | $1733.52 | 8.000% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $720.96 | xxxxxx | $60.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/23/2023 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | xxxxxx | $873218.43 | 100.000% | No |  |  |  |  | UTD | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 356.42 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 793308 | xxxxxx | N/A |  |  | xxxxxx | No | No | $36690.00 | $19965.52 | xxxxxx | 8.854% | $3268.31 | $3268.31 | 8.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $25274.76 | 1 | xxxxxx | $3156.00 | xxxxxx | $263.00 |  |  |  |  |  | 30.897% | 30.897% | 30.897% | 06/21/2023 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023 | [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $36690.00 | xxxxxx | 6.820% | $0.00 | 1.6 |  |  |  | Yes | No | 8.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $1282061.90 | 100.000% | No |  |  |  |  | UTD | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 206.83 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 793900 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7834.00 | $9554.18 | xxxxxx | 10.121% | $3334.46 | $3334.46 | 9.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $186437.28 | 1 | xxxxxx | $3731.04 | xxxxxx | $310.92 | xxxxxx |  | $3600.00 |  | Annually | 8.674% | 8.674% | 8.674% | 07/17/2023 | 677 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023 | [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7834.00 | xxxxxx | 6.910% | $0.00 | 1.9 |  |  |  | N/A | No | 9.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $141568.23 | 29.180% | No |  |  |  |  | UTD | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 57.49 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 793321 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $13749.00 | $17701.04 | xxxxxx | 9.304% | $4692.56 | $4692.56 | 9.000% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $15412.15 | 1 | xxxxxx | $1062.96 | xxxxxx | $88.58 |  |  |  |  |  | 47.412% | 47.412% | 47.412% | 07/11/2023 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; VVOE - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; WVOE - 2023 | [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $13749.00 | xxxxxx | 6.910% | $0.00 | 3.9 |  |  |  | No | No | 9.000% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 16.97 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $305392.05 | 41.890% | No |  | 13 |  |  | UTD | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 24.44 |  | Yes | No | xxxxxx | $14195.82 | $3838.47 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 795046 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1086.67 | $1086.67 | 8.000% | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  |  | 1 | xxxxxx | $524.76 | xxxxxx | $43.73 | xxxxxx | xxxxxx | $340.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.93 |  |  |  |  |  |  | 120 | xxxxxx | $281308.23 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 325.65 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 795051 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $817.50 | $817.50 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $912.96 | xxxxxx | $76.08 | xxxxxx | xxxxxx | $250.00 |  | Annually | 0.000% | 0.000% | 0.000% | 11/10/2022 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.4 | 0.72 |  |  |  |  |  |  |  | xxxxxx | $99054.17 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | 398.98 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 795057 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $894.34 | $894.34 | 9.000% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | xxxxxx | $1672.08 |  | $139.34 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/15/2022 | 692 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR | Chapter 13 |  | xxxxxx | 1 |  | 61.92 |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  |  | No | 9.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.47 | 0.68 |  |  |  |  |  |  |  | xxxxxx | $95259.99 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 539.72 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 795074 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1104.32 | $1104.32 | 8.000% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $746.88 | xxxxxx | $62.24 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/14/2022 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.4 | 0.71 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | No |  |  |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 795084 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1835.44 | $1835.44 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1551.96 | xxxxxx | $129.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/09/2023 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | xxxxxx | $245276.14 | 70.070% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 333.97 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 795100 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $603.47 | $603.47 | 9.000% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $818.04 | xxxxxx | $68.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/08/2023 | 677 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.82 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 795122 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1861.62 | $1861.62 | 7.875% | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  |  | 1 | xxxxxx | $840.00 | xxxxxx | $70.00 | xxxxxx | xxxxxx | $277.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.8 |  |  |  |  |  |  |  | xxxxxx | $141773.71 | 35.890% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 150.11 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | Property Focused |
| xxxxxx | 795134 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $682.89 | $682.89 | 6.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $755.76 | xxxxxx | $62.98 | xxxxxx | xxxxxx | $141.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 04/20/2023 | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.04 | 0.49 |  |  |  |  |  |  | 120 | xxxxxx | $205195.31 | 66.400% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 795177 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2562.72 | $2562.72 | 9.000% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1522.92 | xxxxxx | $126.91 | xxxxxx |  | $600.00 |  | Annually | 0.000% | 0.000% | 0.000% | 05/30/2023 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.7 |  |  |  | N/A | No | 9.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 794689 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3090.14 | $3090.14 | 9.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $4458.96 | xxxxxx | $371.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/17/2023 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.6 |  |  |  | N/A | No | 9.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.91 | 1.1 |  |  |  |  |  |  |  | xxxxxx | $155737.17 | 31.780% | No |  |  |  |  | UTD | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.52 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 796068 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2208.72 | $2208.72 | 8.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 4 | xxxxxx | $2683.56 | xxxxxx | $223.63 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/02/2023 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.66 | 0.6 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | UTD | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 50.69 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 792251 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1014.45 | $1014.45 | 8.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1115.52 | xxxxxx | $92.96 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/22/2023 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  |  | xxxxxx | $70489.22 | 41.460% | No |  |  |  |  | UTD | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 38.45 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 794826 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $17545.00 | $18315.72 | xxxxxx | 9.439% | $5649.99 | $6794.48 | 10.065% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $10683.82 | 1 | xxxxxx | $1253.04 | xxxxxx | $104.42 |  |  |  |  |  | 42.954% | 42.194% | 42.954% | 07/11/2023 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2023 | [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $17545.00 | xxxxxx | 7.270% | $0.00 | 3.6 |  |  |  | No | No | 10.065% | 0 |  | 0 | 0 | 3 | 0 |  |  | 17.97 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $422604.81 | 38.410% | No |  |  |  |  | UTD | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 8.79 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 795538 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2758.19 | $2758.19 | 7.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1035.96 | xxxxxx | $86.33 | xxxxxx |  | $1518.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/11/2023 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.6 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  |  | xxxxxx | $784085.01 | 73.970% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 4.23 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 793849 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3531.59 | $3531.59 | 9.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 4 | xxxxxx | $3581.40 | xxxxxx | $298.45 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/28/2023 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.41 | 0.71 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 795569 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1326.08 | $1326.08 | 10.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $1713.24 | xxxxxx | $142.77 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/09/2023 | 675 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 10.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx | $78164.27 | 40.080% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.58 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 796388 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1373.99 | $1373.99 | 7.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $912.00 | xxxxxx | $76.00 | xxxxxx |  | $75.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/03/2023 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.2 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | xxxxxx | $82155.34 | 31.900% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.51 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 796232 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2979.63 | $2979.63 | 8.750% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $7727.04 | xxxxxx | $643.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/25/2023 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.44 | 0.69 |  |  |  |  |  |  |  | xxxxxx | $536802.94 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 97.87 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 793135 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $2611.50 | $6670.30 | xxxxxx | 8.930% | $4884.74 | $4884.74 | 8.875% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $26796.13 | 1 | xxxxxx | $369.00 | xxxxxx | $30.75 | xxxxxx |  | $755.00 |  | Monthly | 32.607% | 32.607% | 32.607% | 07/14/2023 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2611.50 | xxxxxx | 6.860% | $0.00 |  |  |  |  | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $551687.51 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Guarantor - Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Guarantor - Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 76.13 |  | No | No | xxxxxx | $39760.83 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 797180 | xxxxxx | N/A |  |  | xxxxxx | No | No | $31158.68 | $18721.88 |  | 8.261% | $3561.90 | $3561.90 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $1468044.73 | 1 | xxxxxx | $1788.84 | xxxxxx | $149.07 | xxxxxx |  | $515.00 |  | Monthly | 1.501% | 1.501% | 1.501% | 08/28/2023 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 33.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2023 | [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $31158.68 |  | 7.120% | $0.00 | 1 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $960096.34 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 220.54 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 795980 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $11478.37 | $14010.86 | xxxxxx | 8.235% | $2695.68 | $2695.68 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4879.14 | 1 | xxxxxx | $744.00 | xxxxxx | $62.00 | xxxxxx | xxxxxx | $74.00 |  | Monthly | 43.655% | 43.655% | 43.655% | 08/02/2023 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2023 | [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11478.37 | xxxxxx | 7.150% | $0.00 | 1 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $232296.69 | 53.100% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 45.11 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 795680 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $6170.00 | $6926.89 | xxxxxx | 8.631% | $1945.78 | $1945.78 | 8.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3892.49 | 1 | xxxxxx | $882.00 | xxxxxx | $73.50 |  |  |  |  |  | 38.783% | 38.783% | 38.783% | 08/25/2023 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 16.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 16.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 16.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 16.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 16.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 16.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 16.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 16.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 16.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 16.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2018 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6170.00 | xxxxxx | 6.960% | $0.00 | 1 |  |  |  | Yes | No | 8.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $83703.79 | 26.150% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.88 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 796424 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2403.33 | $2403.33 | 10.000% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1764.96 | xxxxxx | $147.08 | xxxxxx |  | $100.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/07/2023 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 10.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.93 |  |  |  |  |  |  | 240 | xxxxxx | $19700.66 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 93.79 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 796594 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $21465.50 | $26590.67 | xxxxxx | 9.258% | $3570.05 | $3570.05 | 8.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3917.86 | 1 | xxxxxx | $483.96 | xxxxxx | $40.33 |  |  |  |  |  | 52.741% | 52.741% | 52.741% | 08/17/2023 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2023 | [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $21465.50 | xxxxxx | 7.260% | $0.00 | 3.2 |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $120266.32 | 23.580% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.88 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 797490 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2925.29 | $2925.29 | 8.775% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 8 | xxxxxx | $4719.96 | xxxxxx | $393.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/16/2022 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.775% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.34 | 0.75 |  |  |  |  |  |  |  | xxxxxx | $20087.14 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.97 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 798223 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1193.47 | $1193.47 | 8.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2389.68 | xxxxxx | $199.14 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/29/2023 | 665 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.79 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 87.7 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 797603 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1893.19 | $1893.19 | 8.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2067.96 | xxxxxx | $172.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/19/2023 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.6 |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 77.33 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 797441 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1427.93 | $1427.93 | 9.125% | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  |  | 1 | xxxxxx | $969.00 | xxxxxx | $80.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.5 |  |  |  | N/A | No | 9.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.93 | 1.07 |  |  |  |  |  |  |  | xxxxxx | $130285.37 | 48.250% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.85 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 794274 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1182.08 | $1182.08 | 7.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1417.08 | xxxxxx | $118.09 | xxxxxx |  | $250.00 |  | Annually | 0.000% | 0.000% | 0.000% | 09/11/2023 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  |  |  |  |  | xxxxxx | $180146.17 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 120.03 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 797189 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4500.00 | $4500.00 | 9.000% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2626.80 | xxxxxx | $218.90 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/29/2023 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 9.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.78 | 1.28 |  |  |  |  |  |  | 240 | xxxxxx | $88362.43 | 11.040% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 11.61 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 796550 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $940.90 | $940.90 | 8.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1304.04 | xxxxxx | $108.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/14/2023 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | No | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.41 | 0.71 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 137.53 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 795704 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2364.16 | $2364.16 | 7.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $4874.04 | xxxxxx | $406.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/21/2023 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.41 | 0.71 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 85.23 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 796637 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1277.59 | $1277.59 | 8.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1500.00 | xxxxxx | $125.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/11/2023 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | xxxxxx | $191201.40 | 79.620% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 69.97 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 795461 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5521.81 | $5521.81 | 8.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $5031.00 | xxxxxx | $419.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/15/2023 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.67 | 0.6 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 97.45 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 798445 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5406.46 | $5660.93 | 9.125% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $4145.04 | xxxxxx | $345.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/18/2023 | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR | Chapter 7 |  | xxxxxx | 3 | 64.08 | 130.32 |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.53 | 0.65 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 18.74 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 796742 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1446.49 | $1446.49 | 8.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1287.00 | xxxxxx | $107.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/16/2023 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.3 |  |  |  | Yes | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx | $35640.92 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 132.05 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 797156 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3282.36 | $3282.36 | 9.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2921.04 | xxxxxx | $243.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/08/2023 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 5 |  |  |  | No | No | 9.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.79 | 1.26 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 27.15 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 791589 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2295.25 | $2295.25 | 8.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $668.04 | xxxxxx | $55.67 | xxxxxx |  | $275.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 10/05/2023 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.85 |  |  |  |  |  |  | 240 | xxxxxx | $204829.82 | 49.500% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 32.37 |  |  | No | xxxxxx | $0.00 | $0.00 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 798400 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3819.95 | $3819.95 | 9.000% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $2345.04 | xxxxxx | $195.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/24/2023 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.96 | 1.04 |  |  |  |  |  |  |  | xxxxxx | $198247.76 | 30.730% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.33 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 798745 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1824.65 | $1824.65 | 9.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2828.04 | xxxxxx | $235.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/02/2023 | 655 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 1 | 66.12 | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 95.81 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 797436 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3626.18 | $3626.18 | 9.500% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1646.28 | xxxxxx | $137.19 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/18/2023 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.83 | 1.2 |  |  |  |  |  |  |  | xxxxxx | $176033.26 | 30.610% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.31 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 798095 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $6509.06 | $6509.06 | 9.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 3 | xxxxxx | $1921.20 | xxxxxx | $160.10 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/26/2023 | 648 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 9.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.39 | 0.72 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 81.95 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 798899 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2221.22 | $2221.22 | 9.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $4134.00 | xxxxxx | $344.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/09/2023 | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 9.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | xxxxxx | $10000.00 | 2.770% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 182.9 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 799873 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4977.85 | $4977.85 | 8.625% | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1908.00 | xxxxxx | $159.00 | xxxxxx |  | $1524.00 |  | Annually | 0.000% | 0.000% | 0.000% | 09/27/2023 | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.8 |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | xxxxxx | $36925.05 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 221.66 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 802603 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1855.51 | $1855.51 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1617.96 | xxxxxx | $134.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/28/2023 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.3 | 0.77 |  |  |  |  |  |  |  | xxxxxx | $21962.70 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 25.2 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 803090 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2201.29 | $2201.29 | 8.000% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 3 | xxxxxx | $3806.04 | xxxxxx | $317.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/07/2023 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.52 | 0.4 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 97.62 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 804023 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2450.04 | $2450.04 | 8.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1928.04 | xxxxxx | $160.67 | xxxxxx |  | $440.00 |  | Annually | 0.000% | 0.000% | 0.000% | 11/10/2023 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.6 |  |  |  | Yes | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.84 | 1.19 |  |  |  |  |  |  |  | xxxxxx | $101763.79 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 23.57 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 803929 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2494.79 | $2494.79 | 8.125% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 3 | xxxxxx | $2642.04 | xxxxxx | $220.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/18/2023 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.47 | 0.68 |  |  |  |  |  |  |  | xxxxxx | $51544.42 | 10.730% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 56.97 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 803107 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2287.31 | $2287.31 | 9.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1588.92 | xxxxxx | $132.41 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/17/2023 | 626 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 9.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 32.46 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 807381 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2537.74 | $2537.74 | 7.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $1862.04 | xxxxxx | $155.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/29/2024 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.49 | 0.67 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 86.12 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 808973 | xxxxxx | N/A |  |  | xxxxxx | No | No | $9079.00 | $4434.87 | xxxxxx | 7.851% | $1146.51 | $1146.51 | 7.624% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $148801.80 | 1 | xxxxxx | $6090.00 | xxxxxx | $507.50 |  |  |  |  |  | 7.649% | 7.649% | 7.649% | 02/16/2024 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $9079.00 | xxxxxx | 6.770% | $0.00 | 1 |  |  |  | Yes | No | 7.624% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $160591.64 | 59.470% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Passport, VISA |  |  |  |  | 120.47 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 809156 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $18747.53 | $24443.54 | xxxxxx | 11.649% | $6117.59 | $6117.59 | 11.249% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $16580.03 | 1 | xxxxxx | $1266.96 | xxxxxx | $105.58 |  |  |  |  |  | 39.736% | 39.736% | 39.736% | 02/15/2024 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023 | [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $18747.53 | xxxxxx | 6.770% | $0.00 | 1 |  |  |  | N/A | No | 11.249% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $155002.95 | 22.140% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.83 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 808976 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2274.45 | $2274.45 | 7.999% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $2034.96 | xxxxxx | $169.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/07/2024 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $287286.40 | 58.620% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 34.15 |  |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 808547 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4196.12 | $4196.12 | 8.625% | No | No |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $2393.64 | xxxxxx | $199.47 | xxxxxx |  | $294.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.5 |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.7 | 1.43 |  |  |  |  |  |  |  | xxxxxx | $423250.61 | 50.990% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.54 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 809030 | xxxxxx | N/A |  |  | xxxxxx | No | No | $27620.50 | $10687.38 | xxxxxx | 7.778% | $1691.99 | $1691.99 | 7.374% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $505128.81 | 1 | xxxxxx | $1630.08 | xxxxxx | $135.84 | xxxxxx | xxxxxx | $554.00 |  | Monthly | 4.245% | 4.245% | 4.245% | 02/16/2024 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $27620.50 | xxxxxx | 6.770% | $7500.00 | 2.4 |  |  |  | No | No | 7.374% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 87.57 |  | No | No | xxxxxx | $527521.83 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 809147 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4055.27 | $4055.27 | 6.999% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1187.04 | xxxxxx | $98.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/07/2023 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx | $361236.59 | 44.320% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.33 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 809235 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $11022.95 | $11022.95 | 9.750% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $10636.08 | xxxxxx | $886.34 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/26/2024 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.51 | 1.95 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 17.73 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 809028 | xxxxxx | N/A |  |  | xxxxxx | No | No | $22720.50 | $11122.20 | xxxxxx | 7.798% | $1691.99 | $1691.99 | 7.374% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $505138.73 | 1 | xxxxxx | $1631.04 | xxxxxx | $135.92 | xxxxxx | xxxxxx | $544.00 |  | Monthly | 4.243% | 4.243% | 4.243% | 02/16/2024 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $22720.50 | xxxxxx | 6.770% | $7500.00 | 2.4 |  |  |  | No | No | 7.374% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 87.88 |  | No | No | xxxxxx | $527521.83 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 809106 | xxxxxx | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $7088.75 | $10075.39 | xxxxxx | 10.213% | $1636.23 | $1636.23 | 9.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $16820.36 | 1 | xxxxxx | $1560.00 | xxxxxx | $130.00 |  |  |  |  |  | 16.680% | 16.680% | 16.680% | 01/23/2024 | 658 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2024 | [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021 | Alternative Documentation (A) | 2yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $7088.75 | xxxxxx | 6.550% | $0.00 | 2.6 |  |  |  | Yes | No | 9.625% | 0 |  | 0 | 0 | 2 | 0 |  |  | 24.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 98.04 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 809039 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $14145.00 | $8726.47 | xxxxxx | 7.500% | $2387.62 | $2387.62 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8300.99 | 1 | xxxxxx | $5916.72 | xxxxxx | $493.06 | xxxxxx | xxxxxx | $668.00 |  | Annually | 43.608% | 43.608% | 43.608% | 01/19/2024 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Account Statements - Business - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $14145.00 | xxxxxx | 6.770% | $0.00 | 1 |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | xxxxxx | $28542.53 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.94 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 807552 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $29699.18 | $30877.52 | xxxxxx | 9.948% | $5198.72 | $5198.72 | 9.375% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $7849.62 | 1 | xxxxxx | $1716.60 | xxxxxx | $143.05 | xxxxxx |  | $265.00 |  | Annually | 47.107% | 47.107% | 47.107% | 02/02/2024 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2024 | [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $29699.18 | xxxxxx | 6.920% | $61155.00 | 1.1 |  |  |  | N/A | No | 9.375% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $74381.53 | 10.710% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 8.34 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 832946 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $4645.00 | $5265.09 | xxxxxx | 11.246% | $823.27 | $823.27 | 10.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $27985.11 | 1 | xxxxxx | $2360.76 | xxxxxx | $196.73 |  |  |  |  |  | 32.869% | 32.869% | 32.869% | 03/04/2025 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 40.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4645.00 | xxxxxx | 6.700% | $0.00 | 1 |  |  |  | No | No | 10.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $3106.56 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.625% | xxxxxx | xxxxxx | $2306.71 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 21.77 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 835592 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2195.00 | $6617.22 |  | 7.388% | $13813.50 | $13813.50 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $40452.65 | 1 | xxxxxx | $6464.04 | xxxxxx | $538.67 |  |  |  |  |  | 37.221% | 37.221% | 37.221% | 04/01/2025 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2195.00 |  | 6.620% | $0.00 | 3 |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 15.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $75000.00 | 3.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 31.67 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837258 | xxxxxx | N/A |  |  | xxxxxx | No | No | $22149.13 | $6561.44 | xxxxxx | 7.710% | $4594.66 | $4594.66 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $96987.27 | 1 | xxxxxx | $1620.96 | xxxxxx | $135.08 |  |  |  |  |  | 23.280% | 23.280% | 23.280% | 04/02/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $22149.13 | xxxxxx | 6.650% | $2000.00 | 1 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 15.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $24500.00 | 3.010% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 156.45 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837233 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $21542.00 | $15163.00 |  | 7.748% | $3529.63 | $3529.63 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5536.42 | 1 | xxxxxx | $2163.48 | xxxxxx | $180.29 | xxxxxx |  | $1344.00 |  | Annually | 49.919% | 49.919% | 49.919% | 04/22/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $21542.00 |  | 6.700% | $12000.00 | 1.2 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 15.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $6450.00 | 1.020% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.31 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836736 | xxxxxx | N/A |  |  | xxxxxx | No | No | $30175.20 | $20173.56 |  | 8.900% | $3207.33 | $3207.33 | 8.500% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $17444.50 | 1 | xxxxxx | $3900.00 | xxxxxx | $325.00 |  |  |  |  |  | 32.531% | 32.531% | 32.531% | 04/09/2025 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 0 | 0 | No | xxxxxx | xxxxxx | $30175.20 |  | 6.700% | $0.00 | 1 |  |  |  | Yes | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  | 240 | xxxxxx | $5000.00 | 0.880% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 12.01 |  | No | No | xxxxxx | $12392.61 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837142 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5362.50 | $5362.50 | 8.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 4 | xxxxxx | $5449.08 | xxxxxx | $454.09 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/30/2025 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  | 240 | xxxxxx | $320162.02 |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 53.32 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 836971 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $3974.79 | $5072.77 | xxxxxx | 9.833% | $793.88 | $793.88 | 9.250% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $2687.46 | 1 | xxxxxx | $1107.00 | xxxxxx | $92.25 |  |  |  |  |  | 42.049% | 42.049% | 42.049% | 03/10/2025 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $3974.79 | xxxxxx | 6.650% | $0.00 |  |  |  |  | N/A | No | 9.250% | 2 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.375% | xxxxxx | xxxxxx | $707.35 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 46.87 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837438 | xxxxxx | N/A |  |  | xxxxxx | No | No | $15732.50 | $8391.68 | xxxxxx | 8.902% | $1585.88 | $1585.88 | 8.500% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $9609.09 | 1 | xxxxxx | $1181.88 | xxxxxx | $98.49 | xxxxxx |  | $524.00 |  | Monthly | 34.062% | 34.062% | 34.062% | 04/14/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $15732.50 | xxxxxx | 6.740% | $0.00 | 1 |  |  |  | No | No | 8.500% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $359064.87 | 100.000% | No | 28 | 28 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 108.55 |  | No | No | xxxxxx | $0.00 | $4490.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837220 | xxxxxx | N/A |  |  | xxxxxx | No | No | $20485.00 | $27584.47 | xxxxxx | 8.130% | $4871.60 | $4871.60 | 7.750% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $87306.15 | 1 | xxxxxx | $480.00 | xxxxxx | $40.00 |  |  |  |  |  | 34.963% | 34.963% | 34.963% | 04/14/2025 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $20485.00 | xxxxxx | 6.880% | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $485687.83 | 57.130% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 48.38 |  | No | No | xxxxxx | $67120.43 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837301 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3892.87 | $3892.87 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1817.04 | xxxxxx | $151.42 | xxxxxx |  | $780.00 |  | Annually | 0.000% | 0.000% | 0.000% | 04/22/2025 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 81.55 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 837042 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $13951.00 | $19312.90 | xxxxxx | 8.136% | $8438.29 | $8438.29 | 8.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $25714.17 | 1 | xxxxxx | $11972.04 | xxxxxx | $997.67 |  |  |  |  |  | 35.239% | 35.239% | 35.239% | 02/26/2025 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $13951.00 | xxxxxx | 6.880% | $0.00 | 1 |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 1 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $4850.03 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 22.47 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837205 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $8895.83 | $11065.18 | xxxxxx | 9.577% | $2776.16 | $2776.16 | 9.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $230199.03 | 1 | xxxxxx | $969.00 | xxxxxx | $80.75 |  |  |  |  |  | 5.953% | 5.953% | 5.953% | 04/04/2025 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2021<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8895.83 | xxxxxx | 6.880% | $12000.00 | 1 |  |  |  | Yes | No | 9.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $77486.51 | 20.660% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 74.56 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837439 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3226.87 | $3226.87 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 4 | xxxxxx | $1491.96 | xxxxxx | $124.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/14/2025 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.52 | 0.66 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 125.68 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 837361 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $22337.50 | $7646.75 | xxxxxx | 7.321% | $4979.89 | $4979.89 | 7.250% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8892.89 | 1 | xxxxxx | $1647.00 | xxxxxx | $137.25 |  |  |  |  |  | 44.070% | 44.070% | 44.070% | 03/06/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Employer Letter - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $22337.50 | xxxxxx | 6.650% | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $404504.21 |  | No | 27 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 68.14 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837398 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $4734.08 | $8429.74 | xxxxxx | 9.141% | $2400.86 | $2400.86 | 8.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3820.55 | 1 | xxxxxx | $942.12 | xxxxxx | $78.51 |  |  |  |  |  | 43.397% | 43.397% | 43.397% | 04/16/2025 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2019 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4734.08 | xxxxxx | 6.880% | $0.00 | 1.1 |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $83572.53 | 23.540% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.83 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837878 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3069.79 | $3069.79 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $6702.12 | xxxxxx | $558.51 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/07/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.38 | 0.73 |  |  |  |  |  |  |  | xxxxxx | $192265.38 | 32.040% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.41 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 834022 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2018.40 | $2018.40 | 8.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $3146.76 | xxxxxx | $262.23 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/27/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.85 | 1.18 |  |  |  |  |  |  |  | xxxxxx | $115000.00 | 32.850% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 37.7 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 837324 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1170.26 | $1170.26 | 7.875% | No | No |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $1538.28 | xxxxxx | $128.19 | xxxxxx |  | $506.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.9 | 1.11 |  |  |  |  |  |  |  | xxxxxx | $194962.70 | 72.470% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 34.31 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 838526 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3886.54 | $3886.54 | 7.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $1998.00 | xxxxxx | $166.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/21/2025 | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.5 | 0.67 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 12.02 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 835219 | xxxxxx | N/A |  |  | xxxxxx | No | No | $114195.00 | $47963.76 | xxxxxx | 7.776% | $10477.95 | $10477.95 | 7.490% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $71508.77 | 1 | xxxxxx | $4601.04 | xxxxxx | $383.42 |  |  |  |  |  | 32.788% | 32.788% | 32.788% | 03/06/2025 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  | 02/22/2023 | 1 | 27.6 |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $114195.00 | xxxxxx | 6.870% | $0.00 |  |  |  |  | N/A | No | 7.490% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 67.72 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838276 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2269.20 | $2269.20 | 8.625% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $1731.00 | xxxxxx | $144.25 | xxxxxx |  | $40.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 05/06/2025 | 647 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | Yes | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $209505.66 | 53.850% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 38.71 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 837846 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1500.00 | $2204.83 | xxxxxx | 9.936% | $637.49 | $637.49 | 9.625% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $4358.28 | 1 | xxxxxx | $3243.60 | xxxxxx | $270.30 | xxxxxx |  | $600.00 |  | Annually | 40.987% | 40.987% | 40.987% | 04/22/2025 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 56.000% | 100.000% | 100.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2020<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Pension]; Deposit Receipt - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2011<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1500.00 | xxxxxx | 6.880% | $0.00 |  |  |  |  | N/A | No | 9.625% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $13303.20 |  | No |  |  |  |  | Yes | Title Search | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  | 1 | xxxxxx | 4.125% | xxxxxx | xxxxxx | $1284.09 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 12.73 |  |  | No | xxxxxx | $3096.77 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837681 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $20245.08 | $15183.43 | xxxxxx | 7.758% | $3831.70 | $3831.70 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7468.71 | 1 | xxxxxx | $1374.96 | xxxxxx | $114.58 |  |  |  |  |  | 39.692% | 39.692% | 39.692% | 05/06/2025 | 816 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $20245.08 | xxxxxx | 6.740% | $0.00 | 2.6 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $225193.24 | 32.870% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.36 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838466 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $4860.00 | $5287.95 | xxxxxx | 9.362% | $994.56 | $994.56 | 8.875% | No | No | Self-Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $4765.51 | 1 | xxxxxx | $1527.00 | xxxxxx | $127.25 |  |  |  |  |  | 49.784% | 49.784% | 49.784% | 05/13/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 61.000% | 50.000% | 50.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2021<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2021<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4860.00 | xxxxxx | 6.870% | $0.00 |  |  |  |  | N/A | No | 8.875% | 0 | 2 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  | 28 |  |  | Yes | Title Search | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  | 1 | xxxxxx | 4.000% | xxxxxx | xxxxxx | $1181.43 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 40.94 |  | No | No | xxxxxx | $2873.69 | $3742.62 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 842100 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $6370.14 | $6370.14 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1229.04 | xxxxxx | $102.42 | xxxxxx |  | $1996.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/13/2025 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.5 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.91 |  |  |  |  |  |  |  | xxxxxx | $1410785.24 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 99.37 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |

---

## Exhibit 99.8

**EXHIBIT 99.8** 

**AMC TAX AND TITLE REPORT**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Client LN** | **SitusAMC ID** | **Seller LN** | **Servicer LN** | **Address** | **City** | **ST** | **Zip** | **Trade** | **Title Report Effective Date** | **Title Report Date** | **Tax Certificate Effective Date** | **Subject Lien Recorded** | **Number of Pages Recorded** | **Subject Mortgage Originator** | **Origination Balance** | **Origination Date** | **Recording Date** | **Mortgage Book** | **Mortgage Page** | **Mortgage Doc Number** | **County of Recording** | **State of Recording** | **Critical Defect** | **SMtg Open** | **Address Variation** | **Origination Vesting** | **Current Vesting** | **SMtg First Position Mortgage** | **Prior Lien / Judgment** | **Municipal Lien** | **Association Super Lien** | **Property Tax Lien** | **Property Tax Status** | **SMtg Lien Position (Mortgages)** | **Critical Exception Count** | **Prior Mortgage Exception Count** | **Prior Mortgage Exception Total** | **Prior Mortgage Exception Details** | **Prior Lien Exception Count** | **Prior Lien Exception Total** | **Prior Lien Exception Details** | **Municipal Lien Exception Count** | **Municipal Lien Exception Total** | **Municipal Lien Exception Details** | **Property Tax Lien Exception Count** | **Property Tax Lien Exception Total** | **Property Tax Lien Exception Details** | **Association Lien Exception Count** | **Association Lien Exception Total** | **Association Lien Exception Details** | **IRS Lien Exception Count** | **IRS Lien Exception Total** | **IRS Lien Exception Details** | **Deed Vesting Exception Categories** | **Property Tax Status Issue** | **DQ Property Tax Amount** | **Property Tax Status Details** | **Final Event Level** | **Title Exceptions** | **Title Comments** |
| 776777 | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 21 | xxxxxx., as nominee for xxxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 776782 | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 14 | xxxxxx as Nominee for xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 776788 | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 17 | xxxxxxx as nominee for xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| 784974 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 22 | xxxxxx, xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Mortgage - Title Policy Coverage | This Prior Mortgage was recorded on xxxxxx by xxxxxx IAO $xxxxxx. Covered by Title Policy. |
| 795046 | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 50 | xxxxxx, xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 795051 | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 21 | xxxxxx, a xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 795074 | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 36 | xxxxxx., as nominee for xxxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 795084 | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 23 | xxxxxx, a xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 795100 | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 28 | xxxxxx., as nominee for xxxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 795122 | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 24 | xxxxxx, a xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 795134 | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 32 | xxxxxx, a xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 795177 | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 32 | xxxxxx as Nominee for xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Mortgage - Title Policy Coverage<br>Prior Lien - Title Policy Coverage | This Prior Mortgage was recorded on xxxxxx by xxxxxx IAO $xxxxxx. Covered by Title Policy.<br>This Prior Lien was recorded on xxxxxx by xxxxx IAO $xxxxxx. Covered by Title Policy. |
| 791353 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 15 | xxxxxx as Nominee for xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| 791336 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 20 | xxxxx as nominee for xxxxxx, a xxxxxx limited liability company | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Mortgage - Title Policy Coverage | This Prior Mortgage was recorded on xxxxxx by xxxxxx, LLC IAO $xxxxxx. Covered by Title Policy. |
| 791306 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 10 | xxxxx as nominee for xxxxxx, a xxxxxx limited liability company | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 797490 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 18 | xxxxxx as Nominee for xxxxxx, a xxxxxx limited liability company | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | xxxxxx | 1st Half County Taxes for 2023 are Delinquent IOA xxxxxx as of xxxxxx. | 3 | Delinquent Property Taxes | 1st Half County Taxes for 2023 are Delinquent IOA $xxxxxx as of xxxxxx. |
| 797497 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 23 | xxxxxx as nominee for xxxxxx a DBA of xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Fail | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Third Party |  |  |  | 3 | Transferred to Third Party | The subject property has been transferred to a Third Party. A Quitclaim Deed recorded on xxxxxx granted ownership from xxxxxx to xxxxxx. |
| 791354 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 18 | xxxxxx as Nominee for xxxxxx, a xxxxx Limited Liability Company | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 791308 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 24 | xxxxxx as nominee for xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |

---

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client LN** | **SitusAMC ID** | **Seller LN** | **Address** | **City** | **ST** | **Zip** | **Trade** | **Origination Balance** | **Origination Date** | **Unique Exception ID** | **Exception Grade** | **Raw Exception Grade** | **Exception Category** | **Exception Subcategory** | **Exception Type** | **SOL Expired** | **SOL Expiration Date** | **Exception Detail** | **Title Policy** | **Title Policy Insurer** | **Title Policy Effective Date** | **Title Policy Exception** | **Paid on HUD** | **CBR Status** | **Borrower Vested on Title Policy** | **Lien Amount** | **Accrual Rate** | **Lienholder** | **Recording Date** | **Additional Exception Information** |
| 784974 | xxxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - Title Policy Coverage | No |  |  | Final | xxxxxx | xxxxxx | No | No | Not Reporting |  | xxxxxx |  | xxxxxx | xxxxxx | Prior Mortgage - Title Policy Coverage - This Prior Mortgage was recorded on xxxxxx by xxxxxx IAO $xxxxxx. Covered by Title Policy. |
| 795177 | xxxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - Title Policy Coverage | No |  |  | Short | xxxxxx | xxxxxx | No | UTD | Not Reporting |  | xxxxxx |  | xxxxxx | xxxxxx | Prior Mortgage - Title Policy Coverage - This Prior Mortgage was recorded on xxxxxx by xxxxxx IAO $xxxxxx. Covered by Title Policy. |
| 795177 | xxxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 2 | 2 | Title Diligence | Lien Priority | Prior Lien - Title Policy Coverage | No |  |  | Short | xxxxxx | xxxxxx | No | UTD |  |  | xxxxxx |  | xxxxxx | xxxxxx | Prior Lien - Title Policy Coverage - This Prior Lien was recorded on xxxxxx by xxxxxx IAO $xxxxxx. Covered by Title Policy. |
| 791336 | xxxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - Title Policy Coverage | No |  |  | Final | xxxxxx | xxxxxx | No | Yes | Not Reporting |  | xxxxxx |  | xxxxxx | xxxxxx | Prior Mortgage - Title Policy Coverage - This Prior Mortgage was recorded on xxxxxx by xxxxxx, xxxxxx IAO $xxxxxx. Covered by Title Policy. |
| 797490 | xxxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  | Delinquent Property Taxes - 1st Half County Taxes for 2023 are Delinquent IOA $xxxxxx as of xxxxxx. |
| 797497 | xxxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 3 | 3 | Title Diligence | Deed Vesting | Transferred to Third Party |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Transferred to Third Party - The subject property has been transferred to a Third Party. A Quitclaim Deed recorded on xxxxxx granted ownership from xxxxxx to xxxxxx. |

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## Exhibit 99.9

**EXHIBIT 99.9** 

**AMC MULTI PROPERTY VALUATION REPORT**

![](tm2529005d1_ex99-9img001.jpg)

**Multi Property Valuation Report**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Property ID** | **Property Address** | **City** | **State** | **Zip Code** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **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** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| xxxxxx | 795057-1 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | xxxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12/05/2022 | 11/30/2022 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.00% | 01/04/2023 | 11/30/2022 | Desk Review | xxxxxx | N/A |  |
| xxxxxx | 795057-2 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | xxxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12/05/2022 | 11/30/2022 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.00% | 01/04/2023 | 11/30/2022 | Desk Review | xxxxxx | N/A |  |

---

## Exhibit 99.10

**EXHIBIT 99.10**

**CANOPY FINANCIAL TECHNOLOGY PARTNERS, LLC ("CANOPY") NARRATIVE**

![](tm2529005d1_ex99-10img001.jpg)

**NARRATIVE**

**Verus 2025-10**

**By Canopy Financial Technology Partners LLC on October 21, 2025**

Canopy Financial Technology Partners LLC

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

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

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](tm2529005d1_ex99-10img001.jpg)

**Description of Services**

Canopy Financial Technology Partners, LLC ("Canopy") performed certain due diligence services (the "Review) described below on Non-Agency Eligible Mortgage Loans ("Loans") backed by residential properties originated or acquired by VMC Asset Pooler, LLC (the "Client") or its affiliated company. The Review was conducted from August 2022 to August 2025 via files imaged and provided by the Client for review.

The Review consisted of a population of fifty-seven (57) Loans with an aggregate principal balance of $23,887,276.

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

**Data Integrity**

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** |
| &nbsp;&nbsp;All Borrower Total Income | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43, Do not Apply Tolerance if DTI >= 43 and AUS = No |
| &nbsp;&nbsp;Amortized Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Citizen | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;.25% tolerance |
| &nbsp;&nbsp;Escrow Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Higher Priced Mortgage Loan (HPML) Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Index | &nbsp;&nbsp;No tolerance |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](tm2529005d1_ex99-10img001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Margin (ARM Loan) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Interest Only Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;Origination BK Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Prepayment Penalty Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43, Do not Apply Tolerance if DTI >= 43 and AUS = No |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Underwriting Guideline Product Name | &nbsp;&nbsp;No tolerance |

---

**Credit Underwriting**

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

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

· Assets and Reserves;

· DTI;

· DSCR;

· Gross Income;

· Housing history;

· Lien Position;

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](tm2529005d1_ex99-10img001.jpg)

· Loan Purpose;

· LTV/CLTV;

· Monthly debt service;

· Occupancy;

· Property Type;

· Qualifying PITI; and

· Residual Income.

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

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

· Borrower(s) employment history ;

· Citizenship and eligibility;

· First time home buyer status ;

· The application was signed by all borrowers; and

· The application was substantially completed.

**Credit History:** Canopy verified:

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

· Bankruptcy and foreclosure seasoning;

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

· Installment and revolving payment history;

· Mortgage/rental payment history;

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

· Number of tradelines; and

· Representative Credit Score and Methodology.

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

· Verbal or Written VOE's;

· Paystubs;

· W-2 forms;

· Tax returns;

· Financial statements;

· Award letters;

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

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](tm2529005d1_ex99-10img001.jpg)

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

· Borrower identity:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Social Security inconsistencies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Borrower name variations

· Employment:

· Licensing – reviewed NMLS data for:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Mortgage lender/originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Loan officer

· Occupancy:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Borrower address history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Subject property ownership history

· OFAC.

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

· Depository account statements;

· Gift funds;

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

· Stock or security account statements; and/or

· VOD's.

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

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

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

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

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

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

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

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

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

**Document Review**

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

· Initial application (1003);

· Final application (1003);

· Note;

· Mortgage/Deed of Trust;

· Appraisal;

· Sales Contract;

· Title Commitment/Policy;

· Junior Lien/Subordination Agreement;

· Mortgage Insurance;

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

· Flood Certification;

· Initial and Final Loan Estimate (LE);

· Initial and Final and Closing Disclosure (CD);

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

**Business Purpose Validation**

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

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

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

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

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

**Compliance Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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**State & Local Anti-Predatory Requirements**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

· 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.

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

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

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

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

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

· Ohio Anti-Predatory Lending Statute, HB 386, as amended by S.B. 185 (2006), Ohio Rev. Code Ann. §
1.63. · Ohio Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as implemented by Ohio Admin. Rules §
109 4-3-01 et seq.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**QUALIFIED MORTGAGE (QM)**

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

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

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

**Ability to Repay (ATR)**

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

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

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

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**VALUATION REVIEW**

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

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

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

***Independent third-party values, CU SCORES and FHLMC REPS and WARRANTS***

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

**Valuation Reconciliation Process:**

· If a Desk Review, or other acceptable review product, was provided supporting the origination appraised
value within a -10% variance and acceptable confidence score, no additional products were required.

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

**Agency Eligible Loans:**

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

· **For FHLMC loans, if the FHLMC Rep & Warrant Relief indicator was Not Eligible, Canopy ordered an AVM or Desk Review. If the FHLMC Rep & Warrant Relief indicator was Eligible, no further review product was required based on market acceptance of Agency Eligible Loans.**

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**GRADING COMPONENTS**

**Due Diligence Grading Criteria**

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

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

---

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

---

---

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

---

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

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](tm2529005d1_ex99-10img001.jpg)

---

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

---

**FINDINGS SUMMARY**

**Summary Overview**

Canopy's review concluded with the grading of the Credit, Property/Valuation, and Compliance sections. 75.44% (43 loans) have an overall grade of "A", and 24.56% (14 loans) have an overall grade of "B".

Canopy's review concluded a Credit grade of "A" for 44 Loans reviewed (77.19%), and 13 Loans (22.81%) have a Credit grade of "B".

Canopy's review concluded a Compliance grade of "A" for 56 Loans reviewed (98.25%), and 1 Loan (1.75%) has a Compliance grade of "B".

Canopy's review concluded a Property/Valuation grade of "A" for 57 Loans reviewed (100.00%).

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](tm2529005d1_ex99-10img001.jpg)

**FINDINGS TABLE**

**REVIEW TABLES**

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;43 | &nbsp;&nbsp;75.44% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;14 | &nbsp;&nbsp;24.56% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**57** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;44 | &nbsp;&nbsp;77.19% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;13 | &nbsp;&nbsp;22.81% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**57** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;56 | &nbsp;&nbsp;98.25% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.75% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**57** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;57 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**57** | &nbsp;&nbsp;**100.00%** |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](tm2529005d1_ex99-10img001.jpg)

**Additional Loan Summary Details**

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;56 | &nbsp;&nbsp;98.25% | &nbsp;&nbsp;$23629776.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.75% | &nbsp;&nbsp;$257500.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**57** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$23887276.00** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;47 | &nbsp;&nbsp;82.46% | &nbsp;&nbsp;$21924638.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;10 | &nbsp;&nbsp;17.54% | &nbsp;&nbsp;$1962638.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**57** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$23887276.00** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—<br> Proceeds used to pay off existing loans <br> other than loans secured by real estate | &nbsp;&nbsp;4 | &nbsp;&nbsp;7.02% | &nbsp;&nbsp;$764138.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;21 | &nbsp;&nbsp;36.84% | &nbsp;&nbsp;$6955583.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;8 | &nbsp;&nbsp;14.04% | &nbsp;&nbsp;$4551504.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;19 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;$9760451.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;5 | &nbsp;&nbsp;8.77% | &nbsp;&nbsp;$1855600.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**57** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$23887276.00** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;120 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;57 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$23887276.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**57** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$23887276.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;28 | &nbsp;&nbsp;49.12% | &nbsp;&nbsp;$12464889.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.51% | &nbsp;&nbsp;$1407920.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;27 | &nbsp;&nbsp;47.37% | &nbsp;&nbsp;$10014467.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**57** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$23887276.00** |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](tm2529005d1_ex99-10img001.jpg)

**DATA COMPARISON RESULTS**

Of the fifty-seven (57) mortgage loan files reviewed, nineteen (19) unique loans (33.33% by number) had thirty-two (32) tape comparison discrepancies across fourteen (14) data fields.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**% <br> Variance** |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Cap Maximum | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;57 | &nbsp;&nbsp;1.75% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;57 | &nbsp;&nbsp;3.51% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;57 | &nbsp;&nbsp;1.75% |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;57 | &nbsp;&nbsp;1.75% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;57 | &nbsp;&nbsp;3.51% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;6 | &nbsp;&nbsp;57 | &nbsp;&nbsp;10.53% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;57 | &nbsp;&nbsp;1.75% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;4 | &nbsp;&nbsp;57 | &nbsp;&nbsp;7.02% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;57 | &nbsp;&nbsp;3.51% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;57 | &nbsp;&nbsp;1.75% |
| &nbsp;&nbsp;Qualifying Loan Amount | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;57 | &nbsp;&nbsp;3.51% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;3 | &nbsp;&nbsp;57 | &nbsp;&nbsp;5.26% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43 , Do not Apply Tolerance If DTI >= 43 and AUS = No | &nbsp;&nbsp;5 | &nbsp;&nbsp;57 | &nbsp;&nbsp;8.77% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;57 | &nbsp;&nbsp;1.75% |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](tm2529005d1_ex99-10img001.jpg)

**Disclaimer**

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

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

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

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

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

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

## Exhibit 99.11

**EXHIBIT 99.11**

**CANOPY EXCEPTIONS REPORT**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Waived / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 776220 | xxxxxx | -- D A | Closed | xxxxxx | 2022-08-02 14:32 | 2022-08-04 10:00 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report provided at resubmission. Flags include potential hit on watchlist for borrower, cleared per lender through SAM.gov. SSN flag is not of issue as confirmed borrowers are PRA's. Address alert cleared as borrowers are utilizing temporary housing pending purchase of subject. No additional documentation required. - Due Diligence Vendor-08/04/2022 <br> Ready for Review-Document Uploaded. - Seller-08/03/2022 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-08/02/2022 | Ready for Review-Document Uploaded. - Seller-08/03/2022 | Resolved-Third Party Fraud Report provided at resubmission. Flags include potential hit on watchlist for borrower, cleared per lender through SAM.gov. SSN flag is not of issue as confirmed borrowers are PRA's. Address alert cleared as borrowers are utilizing temporary housing pending purchase of subject. No additional documentation required. - Due Diligence Vendor-08/04/2022 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 40% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9 Years |  | DRIVE REPORT (21).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 797497 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 790574 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 792881 | xxxxxx | -- B A | Closed | xxxxxx | 2023-07-07 15:46 | 2023-07-07 15:46 | Waived | 2 - Non-Material B | Credit | Eligibility | Property Characteristics Do Not Meet Guideline Requirements | Waived-Client Waived with Compensating Factors. EXCEPTION REQUIRED FOR SUBJECT PROPERTY LOCATED WITHIN A xxxxxx IDENTIFIED AS HAVING DECLINING PROPERTY VALUES. - Due Diligence Vendor-07/07/2023 |  | Waived-Client Waived with Compensating Factors. EXCEPTION REQUIRED FOR SUBJECT PROPERTY LOCATED WITHIN A xxxxxx IDENTIFIED AS HAVING DECLINING PROPERTY VALUES. - Due Diligence Vendor-07/07/2023 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 111.83 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.4646376811594203<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 34.07% Is Below The Guideline Maximum Of 60% By Ten Percent (10%) Or More | SUBJECT IS xxxxxx COMPLETED IN xxxxxx. EXCELLENT EQUITY POSITION. DEMAND AND SUPPLY IS IN BALANCE. MARKETING TIME IS UNDER THREE MONTHS. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 794081 | xxxxxx | -- D A | Closed | xxxxxx | 2023-07-11 11:20 | 2023-07-17 12:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-07/17/2023 <br> Ready for Review-Document Uploaded. Document Uploaded. - Seller-07/12/2023 <br> Open-Missing Lender Worksheet or Bank Statement Summary Missing lender income worksheet for xxxxxx - Due Diligence Vendor-07/11/2023 | Ready for Review-Document Uploaded. Document Uploaded. - Seller-07/12/2023 | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-07/17/2023 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.85 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 80% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 760 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | Revised xxxxxx Income Calc xxxxxx transfers included xxxxxx- xxxxxx.xlsx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 792882 | xxxxxx | -- D B A | Closed | xxxxxx | 2023-07-13 15:55 | 2025-09-18 21:26 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client Waived with Compensating Factors. EXCEPTION ON NOT MEETING THE RESERVES REQUIREMENTS OF 6 MONTHS. CURRENT RESERVES IS 4.91 MONTHS. - Due Diligence Vendor-09/19/2025 |  | Waived-Client Waived with Compensating Factors. Approved Lender Exception: EXCEPTION ON NOT MEETING THE RESERVES REQUIREMENTS OF 6 MONTHS. CURRENT RESERVES IS 4.91 MONTHS. - Due Diligence Vendor-09/19/2025 | Borrower Contribution Exceeds Minimum Requirements - Borrower Contribution is 100% for 35% Down Payment<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.01 Years | DSCR calculation is 1.12.<br> Borrower has enough funds for closing cost and reserves.<br> LTV of 65%, max LTV for the program is 70% |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 792882 | xxxxxx | -- D B A | Closed | xxxxxx | 2023-07-13 15:18 | 2023-07-17 14:53 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-CDA provided supporting the original appraised value. - Due Diligence Vendor-07/17/2023 <br> Ready for Review-Document Uploaded. - Seller-07/14/2023 <br> Open-Missing Third Party Valuation from file required by Guidelines. - Due Diligence Vendor-07/13/2023 | Ready for Review-Document Uploaded. - Seller-07/14/2023 | Resolved-CDA provided supporting the original appraised value. - Due Diligence Vendor-07/17/2023 | Borrower Contribution Exceeds Minimum Requirements - Borrower Contribution is 100% for 35% Down Payment<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.01 Years |  | CDA_ APPRAISAL REVIEW .pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 792882 | xxxxxx | -- D B A | Closed | xxxxxx | 2023-07-13 15:57 | 2023-07-14 10:59 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is non-warrantable | Waived-Client Waived with Compensating Factors. EXCEPTION ON NOT MEETING THE 40% TOTAL UNITS OF THE PROJECT AS OWNER OCCUPIED. HOA QUESTIONNAIRE SHOWS OWNER<br> OCCUPIED IS 0.00% - Due Diligence Vendor-07/13/2023 |  | Waived-Client Waived with Compensating Factors. EXCEPTION ON NOT MEETING THE 40% TOTAL UNITS OF THE PROJECT AS OWNER OCCUPIED. HOA QUESTIONNAIRE SHOWS OWNER<br> OCCUPIED IS 0.00% - Due Diligence Vendor-07/13/2023 | Borrower Contribution Exceeds Minimum Requirements - Borrower Contribution is 100% for 35% Down Payment<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.01 Years | DSCR calculation is 1.12.<br> Borrower has enough funds for closing cost and reserves.<br> LTV of 65%, max LTV for the program is 70% |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 792882 | xxxxxx | -- D B A | Closed | xxxxxx | 2023-07-13 15:45 | 2023-07-14 10:58 | Waived | 2 - Non-Material B | Credit | Eligibility | Credit history does not meet guidelines | Waived-Client Waived with Compensating Factors. MINIMUM OF TWELVE (12) RECENT CREDIT CARD STATEMENTS REFLECTING A TIMELY PAYMENT HISTORY. LATE PAYMENT REFLECTED ON 10/21/22 - 11/20/22 AND 01/21/23 - 02/20/23 STATEMENTS. - Due Diligence Vendor-07/13/2023 |  | Waived-Client Waived with Compensating Factors. MINIMUM OF TWELVE (12) RECENT CREDIT CARD STATEMENTS REFLECTING A TIMELY PAYMENT HISTORY. LATE PAYMENT REFLECTED ON 10/21/22 - 11/20/22 AND 01/21/23 - 02/20/23 STATEMENTS. - Due Diligence Vendor-07/13/2023 | Borrower Contribution Exceeds Minimum Requirements - Borrower Contribution is 100% for 35% Down Payment<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.01 Years | DSCR calculation is 1.12.<br> Borrower has enough funds for closing cost and reserves.<br> LTV of 65%, max LTV for the program is 70% |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 793992 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 794080 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 793979 | xxxxxx | -- B A | Closed | xxxxxx | 2023-08-01 17:59 | 2023-08-01 17:59 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client Waived with Compensating Factors. Audited Reserves of 1.82 are less than Guideline Required Reserves of 2 - Due Diligence Vendor-08/01/2023 |  | Waived-Client Waived with Compensating Factors. Audited Reserves of 1.82 are less than Guideline Required Reserves of 2 - Due Diligence Vendor-08/01/2023 | Borrower Contribution Exceeds Minimum Requirements - Borrower Contribution is 100%, or 25% Down Payment<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 716 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | All consumer credit paid as agreed in the most recent 12 months; Marketing time under 6 months; DSCR calculation on short-term rental is 1.15 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 793979 | xxxxxx | -- B A | Closed | xxxxxx | 2023-08-01 17:36 | 2023-08-01 17:36 | Waived | 2 - Non-Material B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-Client Waived with Compensating Factors. EXCEPTION TO USE CO-BUYER/ NON-BORROWING SPOUSE FUNDS FOR DOWN PAYMENT AND CLOSING COST.BORROWER CANNOT MEET THE 5% REQUIREMENT ON THE USE OF GIFT FUNDS. - Due Diligence Vendor-08/01/2023 |  | Waived-Client Waived with Compensating Factors. EXCEPTION TO USE CO-BUYER/ NON-BORROWING SPOUSE FUNDS FOR DOWN PAYMENT AND CLOSING COST.BORROWER CANNOT MEET THE 5% REQUIREMENT ON THE USE OF GIFT FUNDS. - Due Diligence Vendor-08/01/2023 | Borrower Contribution Exceeds Minimum Requirements - Borrower Contribution is 100%, or 25% Down Payment<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 716 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | All consumer credit paid as agreed in the most recent 12 months; Marketing time under 6 months; DSCR calculation on short-term rental is 1.15 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 793979 | xxxxxx | -- B A | Closed | xxxxxx | 2023-08-01 17:34 | 2023-08-01 17:34 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Waived with Compensating Factors. EXCEPTION ON NOT MEETING THE OCCUPANCY RATE OF >60%. CURRENT OCCUPANCY RATE IS 50% - Due Diligence Vendor-08/01/2023 |  | Waived-Client Waived with Compensating Factors. EXCEPTION ON NOT MEETING THE OCCUPANCY RATE OF >60%. CURRENT OCCUPANCY RATE IS 50% - Due Diligence Vendor-08/01/2023 | Borrower Contribution Exceeds Minimum Requirements - Borrower Contribution is 100%, or 25% Down Payment<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 716 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | All consumer credit paid as agreed in the most recent 12 months; Marketing time under 6 months; DSCR calculation on short-term rental is 1.15 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 793979 | xxxxxx | -- B A | Closed | xxxxxx | 2023-08-01 14:20 | 2023-08-01 17:31 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Waived with Compensating Factors. Audited LTV of 75% exceeds Guideline LTV of 70% EXCEPTION TO KEEP AT 75% LTV. MAX LTV FOR THIS FILE IS 70% BECAUSE OF 5% LTV REDUCTION ON SHORT TERM RENTAL. - Due Diligence Vendor-08/01/2023 |  | Waived-Client Waived with Compensating Factors. Audited LTV of 75% exceeds Guideline LTV of 70% EXCEPTION TO KEEP AT 75% LTV. MAX LTV FOR THIS FILE IS 70% BECAUSE OF 5% LTV REDUCTION ON SHORT TERM RENTAL. - Due Diligence Vendor-08/01/2023 | Borrower Contribution Exceeds Minimum Requirements - Borrower Contribution is 100%, or 25% Down Payment<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 716 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | All consumer credit paid as agreed in the most recent 12 months; Marketing time under 6 months; DSCR calculation on short-term rental is 1.15; |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 793979 | xxxxxx | -- B A | Closed | xxxxxx | 2023-08-01 17:29 | 2023-08-01 17:29 | Waived | 2 - Non-Material B | Credit | Eligibility | Seller Contribution Exceeds Program Maximum | Waived-Client Waived with Compensating Factors. EXCEPTION TO ALLOW 5.21% ($50000) SELLER CREDIT. BASED ON THE GUIDELINE MAX IS 3% ($28800). - Due Diligence Vendor-08/01/2023 |  | Waived-Client Waived with Compensating Factors. EXCEPTION TO ALLOW 5.21% ($50000) SELLER CREDIT. BASED ON THE GUIDELINE MAX IS 3% ($28800). - Due Diligence Vendor-08/01/2023 | Borrower Contribution Exceeds Minimum Requirements - Borrower Contribution is 100%, or 25% Down Payment<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 716 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | All consumer credit paid as agreed in the most recent 12 months; Marketing time under 6 months; DSCR calculation on short-term rental is 1.15; |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 793675 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 794094 | xxxxxx | -- B A | Closed | xxxxxx | 2023-08-23 14:08 | 2025-09-18 21:48 | Waived | 2 - Non-Material B | Credit | Missing Doc - Credit | Missing credit report | Waived-Client Waived with Compensating Factors. EXCEPTION APPROVAL REQUIRED DUE TO FOREIGN NATIONAL BORROWER'S NOT MEETING THE NON-US CREDIT TRADE LINE REQUIREMENTS OF 2 TRADE LINES WITHIN THE LAST 24 MONTHS WITH A 12 MONTH <br> HISTORY. BORROWER'S ARE UNABLE TO PROVIDE CREDIT REFERENCE LETTERS OR 12 MONTHS STATEMENTS - Due Diligence Vendor-08/23/2023 |  | Waived-Client Waived with Compensating Factors. EXCEPTION APPROVAL REQUIRED DUE TO FOREIGN NATIONAL BORROWER'S NOT MEETING THE NON-US CREDIT TRADE LINE REQUIREMENTS OF 2 TRADE LINES WITHIN THE LAST 24 MONTHS WITH A 12 MONTH <br> HISTORY. BORROWER'S ARE UNABLE TO PROVIDE CREDIT REFERENCE LETTERS OR 12 MONTHS STATEMENTS - Due Diligence Vendor-08/23/2023 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 80.56 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 30.49% Is Below The Guideline Maximum Of 60% By Ten Percent (10%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years | DSCR CALCULATION 1.28, LTV 30.488% ,BORROWER RESERVES EXCEED THE MINIMUM 6 MONTHS REQUIRED  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 796667 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 799666 | xxxxxx | -- B A | Closed | xxxxxx | 2023-09-14 21:35 | 2025-09-18 21:49 | Waived | 2 - Non-Material B | Credit | Income | Income/Employment General | Waived-Client Waived with Compensating Factors. Exception required to extend income document expiry date until xxxxxx. P&L expires xxxxxx but loan will fund on xxxxxx - Due Diligence Vendor-09/15/2023 |  | Waived-Client Waived with Compensating Factors. Exception required to extend income document expiry date until xxxxxx. P&L expires xxxxxx but loan will fund on xxxxxx - Due Diligence Vendor-09/15/2023 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 733 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.76 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | 62.69% LTV, >20 months post-closing reserves, FICO score of 733 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 796661 | xxxxxx | -- B A | Closed | xxxxxx | 2023-10-10 15:59 | 2023-10-10 15:59 | Waived | 2 - Non-Material B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Client Waived with Compensating Factors. Delinquent Credit History Does Not Meet Guideline Requirements Lender approved exception for a housing event within 12 months. Mortgage is solely in borrower's ex spouse name and a modification was completed 12/2022. - Due Diligence Vendor-10/10/2023 |  | Waived-Client Waived with Compensating Factors. Delinquent Credit History Does Not Meet Guideline Requirements Lender approved exception for a housing event within 12 months. Mortgage is solely in borrower's ex spouse name and a modification was completed 12/2022. - Due Diligence Vendor-10/10/2023 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.33 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.52% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.42 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16 Years | Low LTV of 46.52%, borrower has been with employer 16 years, residual income exceeds guidelines. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Pre-Close | Yes | xxxxxx |
| 798186 | xxxxxx | -- D A | Closed | xxxxxx | 2023-10-13 06:47 | 2023-10-16 13:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-REO Property is vacant land, No HOI Required, Documentation provided. - Due Diligence Vendor-10/16/2023 <br> Ready for Review-Document Uploaded. Property in question is vacant land owned free and clear. Borrower does not have insurance on it and Insurance not required. - Seller-10/16/2023 <br> Open-Provide the hazard insurance of the property xxxxxx, owned by the borrower to support the negative rental income of $200 used for qualification - Due Diligence Vendor-10/13/2023 | Ready for Review-Document Uploaded. Property in question is vacant land owned free and clear. Borrower does not have insurance on it and Insurance not required. - Seller-10/16/2023 | Resolved-REO Property is vacant land, No HOI Required, Documentation provided. - Due Diligence Vendor-10/16/2023 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.66 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 88.07 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | vacant land.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 798186 | xxxxxx | -- D A | Closed | xxxxxx | 2023-10-13 04:12 | 2023-10-16 13:03 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-RCE from HOI Company provided - Due Diligence Vendor-10/16/2023 <br> Ready for Review-Document Uploaded. Please see attached the coverage checklist from the insurance agent which confirms the estimated replacement cost. - Seller-10/16/2023 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx RCE not available in xxxxxx. - Due Diligence Vendor-10/16/2023 | Ready for Review-Document Uploaded. Please see attached the coverage checklist from the insurance agent which confirms the estimated replacement cost. - Seller-10/16/2023 | Resolved-RCE from HOI Company provided - Due Diligence Vendor-10/16/2023 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.66 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 88.07 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxxxxx insurance checklist.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 808664 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 836633 | xxxxxx | -- C A | Closed | xxxxxx | 2025-04-28 13:47 | 2025-05-01 14:29 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/01/2025 <br> Ready for Review-Document Uploaded. initial CD - Due Diligence Vendor-05/01/2025 <br> Open-\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*• Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation) is missing. Revised Closing Disclosure(s) with associated Changed Circumstance Detail form(s) are missing, if any. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings.-------- should be dated xxxxxx per documentation provided - Due Diligence Vendor-04/29/2025 |  | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/01/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.81 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 728 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review836633_xxxxxx_4_30_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837710 | xxxxxx | -- D B A | Closed | xxxxxx | 2025-05-07 16:06 | 2025-05-15 13:50 | Resolved | 1 - Information D A | Compliance | Missing Doc | Note data is missing or inaccurate | Resolved-Per Directive, Operating Agreement located in the file on page 106 - Due Diligence Vendor-05/15/2025 <br> Ready for Review-unless closing agent requires it to insure the loan, we don't put title's of members<br>- Seller-05/13/2025 <br> Counter-Document Uploaded. Loan closed in an LLC and the Note, DOT, business purpose cert, occupancy certs, and federal notices need to be corrected showing "member titles" added to signature lines - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. Purpose is refi - Seller-05/12/2025 <br> Open-Note, DOT, business purpose cert, occupancy certs, and federal notices to be corrected with LLC member titles added to signature lines. - Due Diligence Vendor-05/07/2025 | Ready for Review-unless closing agent requires it to insure the loan, we don't put title's of members<br>- Seller-05/13/2025 <br> Ready for Review-Document Uploaded. Purpose is refi - Seller-05/12/2025 | Resolved-Per Directive, Operating Agreement located in the file on page 106 - Due Diligence Vendor-05/15/2025 | Property Condition - C1 Subject property condition<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 150.48 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | DEED OF TRUST_MORTGAGE CERTIFIED.pdf<br> NOTE & SIGNED ALLONGE.pdf<br> Screenshot 2025-05-13 060516.jpg | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 837710 | xxxxxx | -- D B A | Closed | xxxxxx | 2025-05-06 09:07 | 2025-05-07 16:32 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client waived with compensating factors. Exception required on 75% LTV; maximum LTV allowed for unleased property is 70% - Due Diligence Vendor-09/19/2025 |  | Waived-Client waived with compensating factors. Exception required on 75% LTV; maximum LTV allowed for unleased property is 70% - Due Diligence Vendor-09/19/2025 | Property Condition - C1 Subject property condition<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 150.48 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | • >4 months reserves<br> • C1 property condition<br> • At least 1.0 DSCR |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 837710 | xxxxxx | -- D B A | Closed | xxxxxx | 2025-05-07 16:29 | 2025-05-07 16:29 | Waived | 2 - Non-Material B | Credit | Eligibility | Number of Mortgaged Properties and/or aggregate loan balance with lender exceeds max allowable. | Waived-Please leave a comment verifying the Number of Mortgaged Properties is 17. Client waived with compensating factors. Lender exception for > $2,000,000 in aggregate financing - Due Diligence Vendor-09/19/2025 |  | Waived-Please leave a comment verifying the Number of Mortgaged Properties is 17. Client waived with compensating factors. Lender exception for > $2,000,000 in aggregate financing - Due Diligence Vendor-09/19/2025 | Property Condition - C1 Subject property condition<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 150.48 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | > 4 months reserves<br> C1 property condition <br> >1.0 DSCR |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 837711 | xxxxxx | -- D B A | Closed | xxxxxx | 2025-05-07 16:48 | 2025-05-15 14:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | Note data is missing or inaccurate | Resolved-Per Directive, Operating Agreement located in the file on page 94 - Due Diligence Vendor-05/15/2025 <br> Ready for Review-unless closing agent requires it to insure the loan, we don't put title's of members<br>- Seller-05/13/2025 <br> Open-Note, DOT, business purpose cert, occupancy certs and federal notices to be corrected with LLC member titles added to signature lines. - Due Diligence Vendor-05/07/2025 | Ready for Review-unless closing agent requires it to insure the loan, we don't put title's of members<br>- Seller-05/13/2025 | Resolved-Per Directive, Operating Agreement located in the file on page 94 - Due Diligence Vendor-05/15/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 142.5 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Property Condition - C1 subject property condition |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 837711 | xxxxxx | -- D B A | Closed | xxxxxx | 2025-05-07 17:08 | 2025-05-07 17:11 | Waived | 2 - Non-Material B | Credit | Eligibility | Number of Mortgaged Properties and/or aggregate loan balance with lender exceeds max allowable. | Waived-Please leave a comment verifying the Number of Mortgaged Properties is 14. Client waived with compensating factors. Lender exception for > $2,000,000 in aggregate financing to one borrower - Due Diligence Vendor-09/19/2025 |  | Waived-Please leave a comment verifying the Number of Mortgaged Properties is 14. Client waived with compensating factors. Lender exception for > $2,000,000 in aggregate financing to one borrower - Due Diligence Vendor-09/19/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 142.5 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Property Condition - C1 subject property condition | > 4 months reserves<br> C1 property condition<br> > 1.0 DSCR |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 837711 | xxxxxx | -- D B A | Closed | xxxxxx | 2025-05-07 17:11 | 2025-05-07 17:11 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 75% exceeds Guideline LTV of 70% Client waived with compensating factors. Lender exception: Maximum allowed for unleased property is 70% - Due Diligence Vendor-09/19/2025 |  | Waived-Audited LTV of 75% exceeds Guideline LTV of 70% Client waived with compensating factors. Lender exception: Maximum allowed for unleased property is 70% - Due Diligence Vendor-09/19/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 142.5 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Property Condition - C1 subject property condition | > 4 months reserves<br> C1 property conditions<br> > 1.0 DSCR |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 834282 | xxxxxx | -- C A | Closed | xxxxxx | 2025-05-09 15:25 | 2025-05-16 12:46 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and/or the Replacement Cost Estimator Value Provided by the Insurer | Resolved-Hazard Insurance Coverage Amount of xxxxxx is equal to or greater than the Subject Lien or replacement cost value of xxxxxx - Due Diligence Vendor-05/16/2025 <br> Ready for Review-Document Uploaded. RCE from xxxxxx - Seller-05/15/2025 <br> Counter-Document Uploaded. The RCE provided reflects xxxxxx vs HOI Policy Dwelling A xxxxxx - HOI dwelling should reflect the min of RCE. - Due Diligence Vendor-05/14/2025 <br> Ready for Review-Document Uploaded. RCE and deck page - Seller-05/12/2025 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $623358 Hazard policy indicates xxxxxx in coverage. The minimum required coverage is $623,358. - Due Diligence Vendor-05/09/2025 | Ready for Review-Document Uploaded. RCE from xxxxxx - Seller-05/15/2025 <br> Ready for Review-Document Uploaded. RCE and deck page - Seller-05/12/2025 | Resolved-Hazard Insurance Coverage Amount of xxxxxx is equal to or greater than the Subject Lien or replacement cost value of xxxxxx - Due Diligence Vendor-05/16/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.13 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxxxxx INS.pdf<br> xxxxxx RCE.pdf<br> RCE.jpg<br> HOI.jpg<br> xxxxxx RCE from xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834282 | xxxxxx | -- C A | Closed | xxxxxx | 2025-05-08 17:36 | 2025-05-13 07:22 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD_ received, data entered, no additional compliance findings. - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. ICD and revised ICD - Buyer-05/12/2025 <br> Open-TRID: Missing Initial Closing Disclosure - Due Diligence Vendor-05/08/2025 |  | Resolved-ICD_ received, data entered, no additional compliance findings. - Due Diligence Vendor-05/13/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.13 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxxxxx revised ICD.pdf<br> xxxxxx ICD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834282 | xxxxxx | -- C A | Closed | xxxxxx | 2025-05-10 15:37 | 2025-05-13 07:21 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-ICD_ received, data entered, no additional compliance findings. - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. ICD - Seller-05/12/2025 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"xxxxxx First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. No CD disclosed at least 3 days prior to consummation found in the file - Due Diligence Vendor-05/10/2025 | Ready for Review-Document Uploaded. ICD - Seller-05/12/2025 | Resolved-ICD_ received, data entered, no additional compliance findings. - Due Diligence Vendor-05/13/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.13 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxxxxx ICD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834282 | xxxxxx | -- C A | Closed | xxxxxx | 2025-05-10 15:37 | 2025-05-13 07:21 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-ICD_ received, data entered, no additional compliance findings. - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. icd - Seller-05/12/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. No CD disclosed at least 3 days prior to consummation found in the file - Due Diligence Vendor-05/10/2025 | Ready for Review-Document Uploaded. icd - Seller-05/12/2025 | Resolved-ICD_ received, data entered, no additional compliance findings. - Due Diligence Vendor-05/13/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.13 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxxxxx ICD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834282 | xxxxxx | -- C A | Closed | xxxxxx | 2025-05-10 15:37 | 2025-05-13 07:21 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-ICD_ received, data entered, no additional compliance findings. - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. see icd - Seller-05/12/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. No CD disclosed at least 3 days prior to consummation found in the file - Due Diligence Vendor-05/10/2025 | Ready for Review-Document Uploaded. see icd - Seller-05/12/2025 | Resolved-ICD_ received, data entered, no additional compliance findings. - Due Diligence Vendor-05/13/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.13 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxxxxx ICD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834282 | xxxxxx | -- C A | Closed | xxxxxx | 2025-05-10 15:37 | 2025-05-13 07:21 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-ICD_ received, data entered, no additional compliance findings. - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. revised icd - Buyer-05/12/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $0.12.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). No CD disclosed at least 3 days prior to consummation found in the file - Due Diligence Vendor-05/10/2025 |  | Resolved-ICD_ received, data entered, no additional compliance findings. - Due Diligence Vendor-05/13/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.13 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxxxxx revised ICD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837699 | xxxxxx | -- B A | Closed | xxxxxx | 2025-05-13 14:52 | 2025-09-18 21:46 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Client waived with compensating factors. Max allowed DTI is 43% for first-time home buyer - Exception granted to allow DTI of 44.43% - Due Diligence Vendor-09/19/2025 |  | Waived-Client waived with compensating factors. Max allowed DTI is 43% for first-time home buyer - Exception granted to allow DTI of 44.43% - Due Diligence Vendor-09/19/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.38 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 794 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | Reserves of >12 months, min required 6 <br> FICO 794 while min required 660  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 837703 | xxxxxx | -- B A | Closed | xxxxxx | 2025-05-22 11:55 | 2025-05-22 11:55 | Waived | 2 - Non-Material B | Credit | Eligibility | Ownership vesting does not meet minimum seasoning for cash-out refinance. | Waived-Client waived with compensating factors. Borrower(s) purchased property within most recent six (6) months and does not meet minimum seasoning requirement for cash-out transaction. Exception on not meeting the refinance cash out seasoning requirement of 6 months from deed transfer to application. Property was acquired on xxxxxx - Due Diligence Vendor-09/19/2025 |  | Waived-Client waived with compensating factors. Borrower(s) purchased property within most recent six (6) months and does not meet minimum seasoning requirement for cash-out transaction. Exception on not meeting the refinance cash out seasoning requirement of 6 months from deed transfer to application. Property was acquired on xxxxxx - Due Diligence Vendor-09/19/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 291.46 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.16 Years | Debt service coverage ratio >1.19 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 837703 | xxxxxx | -- B A | Closed | xxxxxx | 2025-05-22 11:54 | 2025-05-22 11:54 | Waived | 2 - Non-Material B | Credit | Eligibility | Ownership vesting and/or seasoning does not meet minimum requirement for use of appraised value. | Waived-Client waived with compensating factors. Borrower(s) purchased property within most recent six (6) months and does not meet minimum seasoning requirement for use of appraised value over the original purchase price plus documented improvements. Exception to allow using the appraised value of xxxxxx. Per guideline, if owned less than 12 months, needs to use the purchase price plus documented improvements. Borrower owned the property last xxxxxx with a purchase price of xxxxxx. Per the appraisal report, the appraiser provided an overall condition rating of C3 for both the interior and exterior of the subject property. - Due Diligence Vendor-09/19/2025 |  | Waived-Client waived with compensating factors. Borrower(s) purchased property within most recent six (6) months and does not meet minimum seasoning requirement for use of appraised value over the original purchase price plus documented improvements. Exception to allow using the appraised value of xxxxxx. Per guideline, if owned less than 12 months, needs to use the purchase price plus documented improvements. Borrower owned the property last xxxxxx with a purchase price of xxxxxx. Per the appraisal report, the appraiser provided an overall condition rating of C3 for both the interior and exterior of the subject property. - Due Diligence Vendor-09/19/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 291.46 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.16 Years | Debt service coverage ratio >1.19 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 837703 | xxxxxx | -- B A | Closed | xxxxxx | 2025-05-15 09:01 | 2025-05-19 12:56 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client waived with compensating factors. Exception to keep the LTV of 73.256%. Per guideline, max LTV for unleased property is 55% - Due Diligence Vendor-09/19/2025 |  | Waived-Client waived with compensating factors. Exception to keep the LTV of 73.256%. Per guideline, max LTV for unleased property is 55% - Due Diligence Vendor-09/19/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 291.46 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.16 Years | Debt service coverage ratio >1.19 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 837125 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 837255 | xxxxxx | -- D A | Closed | xxxxxx | 2025-05-19 18:38 | 2025-06-02 00:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-UDM provided. - Due Diligence Vendor-06/02/2025 <br> Ready for Review-UDM provided - Due Diligence Vendor-06/02/2025 <br> Ready for Review-Document Uploaded. UDM - Due Diligence Vendor-06/02/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-05/19/2025 |  | Resolved-UDM provided. - Due Diligence Vendor-06/02/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.54 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.16 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.47 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.16 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.85% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review837255_xxxxxx_5_29_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 837255 | xxxxxx | -- D A | Closed | xxxxxx | 2025-05-19 18:38 | 2025-06-02 00:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-UDM provided. - Due Diligence Vendor-06/02/2025 <br> Ready for Review-UDM provided - Due Diligence Vendor-06/02/2025 <br> Ready for Review-Document Uploaded. UDM - Due Diligence Vendor-06/02/2025 <br> Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-05/19/2025 |  | Resolved-UDM provided. - Due Diligence Vendor-06/02/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.54 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.16 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.47 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.16 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.85% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review837255_xxxxxx_5_29_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 837039 | xxxxxx | -- D A | Closed | xxxxxx | 2025-05-24 12:46 | 2025-05-29 08:04 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-05/29/2025 <br> Ready for Review-Document Uploaded. PA - Buyer-05/27/2025 <br> Open-Personal Guaranty is missing. - Due Diligence Vendor-05/24/2025 |  | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-05/29/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxxxxx PA.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837285 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 837241 | xxxxxx | -- D A | Closed | xxxxxx | 2025-05-27 18:39 | 2025-06-02 00:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap credit report provided. - Due Diligence Vendor-06/02/2025 <br> Ready for Review-Document Uploaded. Please see attached UDN. - Due Diligence Vendor-06/02/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-05/27/2025 |  | Resolved-Gap credit report provided. - Due Diligence Vendor-06/02/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 736 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 172.72 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.16 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.80 Years |  | Full Review837241_xxxxxx_5_29_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 837241 | xxxxxx | -- D A | Closed | xxxxxx | 2025-05-27 18:39 | 2025-06-02 00:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Gap credit report provided. - Due Diligence Vendor-06/02/2025 <br> Ready for Review-Please see attached UDN. - Due Diligence Vendor-06/02/2025 <br> Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-05/27/2025 |  | Resolved-Gap credit report provided. - Due Diligence Vendor-06/02/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 736 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 172.72 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.16 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.80 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 837350 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 837051 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 834887 | xxxxxx | -- D B A | Closed | xxxxxx | 2025-09-18 21:10 | 2025-09-18 21:10 | Waived | 2 - Non-Material B | Credit | Eligibility | Ineligible Property | Waived-Client waived with compensating factors. Exception for property over 2 Acres (subject xxxxxx Acres and max allowed 2.0 Acres) - Due Diligence Vendor-09/19/2025 |  | Waived-Client waived with compensating factors. Exception for property over 2 Acres (subject xxxxxx Acres and max allowed 2.0 Acres) - Due Diligence Vendor-09/19/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 747 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.19 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Credit Score 30+ points > minimum required |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 834887 | xxxxxx | -- D B A | Closed | xxxxxx | 2025-05-27 08:36 | 2025-06-17 18:56 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 5 Missing | Resolved-Account xxxxxx provided showing the transfer of funds from the existing HELOC. No further issues with the transfer of funds or the existing HELOC. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. Attached - Due Diligence Vendor-06/17/2025 <br> Open-Asset 5 Missing - xxxxxx - Checking xxxxxx. There is a single page in the file referencing xxxxxx with the borrower but it does not reference the limit, if money was disbursed from it, home it belongs to. - Due Diligence Vendor-06/02/2025 |  | Resolved-Account xxxxxx provided showing the transfer of funds from the existing HELOC. No further issues with the transfer of funds or the existing HELOC. - Due Diligence Vendor-06/17/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 747 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.19 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review834887_xxxxxx_6_11_2025_xxxxxx_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 836790 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 837555 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 837808 | xxxxxx | -- D A | Closed | xxxxxx | 2025-06-04 08:51 | 2025-06-04 12:13 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided. - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Document Uploaded. - Seller-06/04/2025 <br> Open-Missing CU with a score less than 2.5 or a 2nd appraisal product (AVM/CDA/Etc) - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. - Seller-06/04/2025 | Resolved-Desk review provided. - Due Diligence Vendor-06/04/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.31% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.42 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | AVM.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837808 | xxxxxx | -- D A | Closed | xxxxxx | 2025-05-28 10:39 | 2025-06-04 09:01 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | HO6 Master Insurance Policy is Missing | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Document Uploaded. - Seller-06/02/2025 <br> Open-Missing HO-6 Master Insurance Policy - Due Diligence Vendor-05/28/2025 | Ready for Review-Document Uploaded. - Seller-06/02/2025 | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-06/04/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.31% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.42 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Master Ins.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837808 | xxxxxx | -- D A | Closed | xxxxxx | 2025-05-28 10:39 | 2025-06-04 09:01 | Resolved | 1 - Information C A | Credit | Insurance | Named Insured on HO6 Master Policy does not match HOA Name | Resolved-Named Insured on HO-6 Master Insurance Policy matches HOA Name - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Document Uploaded. - Seller-06/02/2025 <br> Open-Named Insured on HO-6 Master Insurance Policy does not match HOA Name Named Insured on HO-6 Master Insurance Policy is missing - Due Diligence Vendor-05/28/2025 | Ready for Review-Document Uploaded. - Seller-06/02/2025 | Resolved-Named Insured on HO-6 Master Insurance Policy matches HOA Name - Due Diligence Vendor-06/04/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.31% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.42 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Master Ins.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837808 | xxxxxx | -- D A | Closed | xxxxxx | 2025-05-28 10:39 | 2025-06-04 09:01 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | HO-6 Insurance Policy is Missing | Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Document Uploaded. - Seller-06/02/2025 <br> Open-HO-6 Insurance Policy is Missing - Due Diligence Vendor-05/28/2025 | Ready for Review-Document Uploaded. - Seller-06/02/2025 | Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-06/04/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.31% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.42 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Evidence of Insurance.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837945 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 837282 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 837762 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 837978 | xxxxxx | -- C A | Closed | xxxxxx | 2025-06-02 16:43 | 2025-06-04 17:34 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Disbursement Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-06/02/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx - Due Diligence Vendor-06/02/2025 |  | Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Disbursement Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-06/04/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.26 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxxxxx Prior EOI Policy.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836461 | xxxxxx | -- D A | Closed | xxxxxx | 2025-05-30 21:16 | 2025-06-05 18:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-All PITI docs provided for new concurrent closing. - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. NOTE CD HOI Taxes<br> - Due Diligence Vendor-06/05/2025 <br> Open-xxxxxx, missing copy of settlement statement, note, hazard declaration page and taxes. New loan with xxxxxx. - Due Diligence Vendor-05/31/2025 |  | Resolved-All PITI docs provided for new concurrent closing. - Due Diligence Vendor-06/05/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.75 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.21 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.51% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.86 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 28.83 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 776 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | Full Review836461_xxxxxx_6_5_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836461 | xxxxxx | -- D A | Closed | xxxxxx | 2025-06-03 13:02 | 2025-06-05 18:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Refresh provided showing monitoring started prior to close and extending through at least close. - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. Refresh - Due Diligence Vendor-06/05/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Gap report missing. - Due Diligence Vendor-06/03/2025 |  | Resolved-Refresh provided showing monitoring started prior to close and extending through at least close. - Due Diligence Vendor-06/05/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.75 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.21 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.51% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.86 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 28.83 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 776 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | Full Review836461_xxxxxx_6_5_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837388 | xxxxxx | -- C A | Closed | xxxxxx | 2025-05-30 06:28 | 2025-06-18 23:45 | Resolved | 1 - Information C A | Compliance | State Reg | Prepayment Penalty charged on Business Purpose loan where State Does not permit. | Resolved-Amended PPP sent to borrower showing max PPP of 1% over 5 years in accordance with xxxxxx law. - Due Diligence Vendor-06/19/2025 <br> Ready for Review-Document Uploaded. See attached letter<br> - Due Diligence Vendor-06/19/2025 <br> Open-The subject property's state, xxxxxx, does not allow pre-payment penalties for Business Purpose loans. - Due Diligence Vendor-05/30/2025 |  | Resolved-Amended PPP sent to borrower showing max PPP of 1% over 5 years in accordance with xxxxxx law. - Due Diligence Vendor-06/19/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 738 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.63 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22 Years |  | Full Review837388_xxxxxx_6_18_2025_xxxxxx_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837559 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 836983 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 837818 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 838225 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 837420 | xxxxxx | -- D A C | Closed | xxxxxx | 2025-06-04 20:16 | 2025-06-17 23:13 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 5 Missing | Resolved-Asset 5 Missing Final CD provided for concurrent C/O closing at xxxxxx - Due Diligence Vendor-06/18/2025 <br> Ready for Review-The departing residence at xxxxxx was pending sale, however proof it was sold was not required being that the PITI was added to DTI. For some reason final 1003 does not show the PITI of $6,031.00 was added to DTI. However if we do the math on the final 1008. It adds up and shows as being added to DTI. If investor wishes, We can update the final 1003 to show Investment / Retained, and the DTI wont change. Please advise<br>- Buyer-06/17/2025 <br> Open-Asset 5 Missing Missing Settlement Statement to verify proceeds from sale on borrower's outgoing primary on xxxxxx. - Due Diligence Vendor-06/05/2025 |  | Resolved-Asset 5 Missing Final CD provided for concurrent C/O closing at xxxxxx - Due Diligence Vendor-06/18/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.39 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.14 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.39 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837420 | xxxxxx | -- D A C | Closed | xxxxxx | 2025-06-04 20:30 | 2025-06-17 22:59 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Final CD provided to document PITI for property at xxxxxx. Qual payment matches CD. No HOA per appraisal. - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Document Uploaded. See attached CD to verify PITI and appraisal to show no HOA. <br>- Seller-06/17/2025 <br> Open-Note, Settlement Statement or Mortgage statement is Missing for newly purchased Investment property on xxxxxx to verify monthly PITIA. - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. See attached CD to verify PITI and appraisal to show no HOA. <br>- Seller-06/17/2025 | Resolved-Final CD provided to document PITI for property at xxxxxx. Qual payment matches CD. No HOA per appraisal. - Due Diligence Vendor-06/18/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.39 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.14 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.39 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |  | xxxxxx_NO HOA for xxxxxx (1).pdf<br> xxxxxx_Final CD for xxxxxx (1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837420 | xxxxxx | -- D A C | Closed | xxxxxx | 2025-06-05 15:14 | 2025-06-17 09:43 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC event details_ received, data entered, no additional compliance findings. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. See attached COC<br>- Buyer-06/17/2025 <br> Open-\*\*\*The Appraisal - Desk Review Fee was first disclosed in the CD issued xxxxxx and remained through the Final CD and PCCD in Section B. The original loan does not contain a valid COC in relation to the fee. - Due Diligence Vendor-06/09/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-06/05/2025 |  | Resolved-COC event details_ received, data entered, no additional compliance findings. - Due Diligence Vendor-06/17/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.39 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.14 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.39 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |  | xxxxxx COC (1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837420 | xxxxxx | -- D A C | Closed | xxxxxx | 2025-06-05 15:14 | 2025-06-17 09:43 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-COC event details_ received, data entered, no additional compliance findings. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. See attached COC<br>- Buyer-06/17/2025 <br> Open-\*\*\*The Appraisal - Desk Review Fee was first disclosed in the CD issued xxxxxx and remained through the Final CD and PCCD in Section B. The original loan does not contain a valid COC in relation to the fee. - Due Diligence Vendor-06/09/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-06/05/2025 |  | Resolved-COC event details_ received, data entered, no additional compliance findings. - Due Diligence Vendor-06/17/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.39 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.14 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.39 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |  | xxxxxx COC (1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837420 | xxxxxx | -- D A C | Closed | xxxxxx | 2025-06-05 15:14 | 2025-06-17 09:43 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-COC event details_ received, data entered, no additional compliance findings. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. See attached COC<br>- Seller-06/17/2025 <br> Open-\*\*\*The Appraisal - Desk Review Fee was first disclosed in the CD issued xxxxxx and remained through the Final CD and PCCD in Section B. The original loan does not contain a valid COC in relation to the fee. - Due Diligence Vendor-06/09/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $165.00.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). - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. See attached COC<br>- Seller-06/17/2025 | Resolved-COC event details_ received, data entered, no additional compliance findings. - Due Diligence Vendor-06/17/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.39 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.14 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.39 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |  | xxxxxx COC (1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838539 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 836566 | xxxxxx | -- D A | Closed | xxxxxx | 2025-06-14 13:14 | 2025-07-16 18:55 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Master policy has been provided and shows the sufficient coverage for the project. - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. 7/16/25 - Lender response: Please review master policy. - Due Diligence Vendor-07/16/2025 <br> Counter-The ultimate issue here is the amount of insurance on the property. As of now, xxxxxx would not cover the loan unless the HO-6 policy is just a truly a walls-in policy that is supplemental to a master policy that would re-build the unit in case of unit being destroyed. - Due Diligence Vendor-06/25/2025 <br> Ready for Review-Document Uploaded. 6/25/25 - please see attached - Due Diligence Vendor-06/25/2025 <br> Counter-Client provided policy and it is an HO-6 policy that would not cover the dwelling. The disconnect here is that there may be a master policy that covers this project. Can master policy be provided? - Due Diligence Vendor-06/23/2025 <br> Ready for Review-Document Uploaded. 6/20/25 - please see HOI. - Due Diligence Vendor-06/23/2025 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx Insurance is insufficient to cover loan. - Due Diligence Vendor-06/14/2025 |  | Resolved-Master policy has been provided and shows the sufficient coverage for the project. - Due Diligence Vendor-07/16/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.14 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 797 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | Full Review836566_xxxxxx_6_20_2025_xxxxxx_AM.zip<br> Full Review836566_xxxxxx_6_25_2025_xxxxxx_PM.zip<br> Full Review836566_xxxxxx_7_16_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 836566 | xxxxxx | -- D A | Closed | xxxxxx | 2025-06-14 13:25 | 2025-06-25 16:28 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Expired | Resolved-Removing the asset from the loan does not impair the reserve requirement as the borrower still has more than 12 months (14.5) - Due Diligence Vendor-06/25/2025 <br> Open-Asset 4 Expired xxxxxx Statement for account xxxxxx expired. - Due Diligence Vendor-06/14/2025 |  | Resolved-Removing the asset from the loan does not impair the reserve requirement as the borrower still has more than 12 months (14.5) - Due Diligence Vendor-06/25/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.14 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 797 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 836566 | xxxxxx | -- D A | Closed | xxxxxx | 2025-06-12 20:32 | 2025-06-23 15:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Rent | Resolved-Lease and payment history is now provided. - Due Diligence Vendor-06/23/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-06/23/2025 <br> Open-xxxxxx VOR is missing - Due Diligence Vendor-06/13/2025 |  | Resolved-Lease and payment history is now provided. - Due Diligence Vendor-06/23/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.14 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 797 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | Full Review836566_xxxxxx_6_20_2025_xxxxxx_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837826 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 837577 | xxxxxx | -- D A | Closed | xxxxxx | 2025-06-17 09:39 | 2025-07-16 18:57 | Resolved | 1 - Information D A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. LOX with lease for review. xxxxxx! - Due Diligence Vendor-07/16/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Guidelines require a verification of rent. The document was not located in the file. - Due Diligence Vendor-06/17/2025 |  | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-07/16/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 706 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.45 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.43% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More |  | Full Review837577_xxxxxx_7_16_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838482 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 838447 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 841119 | xxxxxx | -- D B A | Closed | xxxxxx | 2025-07-14 11:10 | 2025-08-11 14:57 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | High-Cost Mortgage Pre-Loan Counseling Date Test | Resolved-Remediate post close provided - Due Diligence Vendor-08/11/2025 <br> Ready for Review-See document - Due Diligence Vendor-08/11/2025 <br> Resolved- - Due Diligence Vendor-08/11/2025 <br> Open- - Due Diligence Vendor-07/28/2025 <br> Resolved- - Due Diligence Vendor-07/28/2025 <br> Open- - Due Diligence Vendor-07/15/2025 <br> Open-\*\*Loan failed the High-Cost test due to exceeding the total points and fees threshold. - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 <br> Open-This loan failed the high-cost mortgage pre-loan counseling date test due to one of the following findings: (12 CFR §1026.34(a)(5)(i), (ii))The loan is a 2010 RESPA loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the good faith estimate or the disclosures required by 12 CFR §1026.40; orThe loan is a 2015 TRID loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the initial loan estimate or the disclosures required by 12 CFR §1026.40; orThe loan is a chattel loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received the disclosures required by 12 CFR §1026.32; orThe High-Cost Mortgage Pre-Loan Counseling Date was not provided; orThe High-Cost Mortgage Pre-Loan Counseling Date is on or after the closing date or estimated closing date.Certification of counseling required. A creditor shall not extend a high-cost mortgage to a consumer unless the creditor receives written certification that the consumer has obtained counseling on the advisability of the mortgage from a counselor that is approved to provide such counseling by the xxxxxx and xxxxxx or, if permitted by the xxxxxx.(ii) Timing of counseling. The counseling required under this paragraph (a)(5) must occur after:(A) The consumer receives either the disclosure required by section 5(c) of the Real Estate Settlement Procedures Act of 1974 (xxxxxx(c)) or the disclosures required by §1026.40; or(B) The consumer receives the disclosures required by §1026.32(c), for transactions in which neither of the disclosures listed in (A) are provided. - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 |  | Resolved-Remediate post close provided - Due Diligence Vendor-08/11/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 799 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.15 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.75 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |  | Full Review841119_xxxxxx_7_23_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxxx |
| 841119 | xxxxxx | -- D B A | Closed | xxxxxx | 2025-07-14 11:10 | 2025-08-11 14:54 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | High-Cost Mortgage Points and Fees Threshold Test | Cured-Restitution/remediation in the amount of xxxxxx, proof of mailing and PCCD, provided within 30 days of consummation. - Due Diligence Vendor-08/11/2025 <br> Cured- - Due Diligence Vendor-08/11/2025 <br> Counter- - Due Diligence Vendor-08/11/2025 <br> Counter-Remediated post close to resolve High Cost 4% late fee inaccuracy and high cost pre-counseling requirements. High Cost Points and fees threshold test at consummation, cannot be remediated post consummation. - Due Diligence Vendor-07/28/2025 <br> Ready for Review-This loan failed the high-cost mortgage points and fees threshold test due to one of the following findings: (12 CFR §1026.32(a)(1)(ii)(A), (B))The loan amount is xxxxxx or more, and the transaction's total points and fees is xxxxxx, which exceeds 5 percent of the total loan amount of xxxxxx; orThe loan amount is less than xxxxxx and the transaction's total points and fees is xxxxxx, which exceeds the lesser of 8 percent of the total loan amount of xxxxxx. - Due Diligence Vendor-07/28/2025 <br> Open- - Due Diligence Vendor-07/28/2025 <br> Ready for Review- - Due Diligence Vendor-07/28/2025 <br> Resolved- - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. See cure <br> - Due Diligence Vendor-07/28/2025 <br> Open- - Due Diligence Vendor-07/15/2025 <br> Open-\*\*Loan failed the High-Cost test due to exceeding the total points and fees threshold. - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 <br> Open-This loan failed the high-cost mortgage points and fees threshold test due to one of the following findings: (12 CFR §1026.32(a)(1)(ii)(A), (B))The loan amount is xxxxxx or more, and the transaction's total points and fees is xxxxxx, which exceeds 5 percent of the total loan amount of xxxxxx; orThe loan amount is less than xxxxxx and the transaction's total points and fees is xxxxxx, which exceeds the lesser of 8 percent of the total loan amount of xxxxxx or xxxxxx. - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 |  | Cured-Restitution/remediation in the amount of xxxxxx, proof of mailing and PCCD, provided within 30 days of consummation. - Due Diligence Vendor-08/11/2025 <br> Cured- - Due Diligence Vendor-08/11/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 799 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.15 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.75 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |  | Full Review841119_xxxxxx_7_23_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxxx |
| 841119 | xxxxxx | -- D B A | Closed | xxxxxx | 2025-07-14 11:10 | 2025-08-11 14:52 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | High-Cost Mortgage Timing of Disclosure Test | Resolved-Remediate post close provided - Due Diligence Vendor-08/11/2025 <br> Resolved-Section 32 Mortgage Loan Disclosure issued not less than 3 days prior to consummation provided - Due Diligence Vendor-07/15/2025 <br> Resolved- - Due Diligence Vendor-07/15/2025 <br> Open-\*\*Loan failed the High-Cost test due to exceeding the total points and fees threshold. - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 <br> Open-This loan failed the high-cost mortgage timing of disclosure test due to one of the following findings: (12 CFR §1026.31(c))The High-Cost Mortgage Disclosure Date indicates the creditor did not furnish the disclosure required by 12 CFR §1026.32 at least three business days prior to the consummation or account opening of a high-cost mortgage; orThe High-Cost Mortgage Disclosure Date was not provided; orNeither the consummation date nor the closing date was provided. - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 |  | Resolved-Remediate post close provided - Due Diligence Vendor-08/11/2025 <br> Resolved-Section 32 Mortgage Loan Disclosure issued not less than 3 days prior to consummation provided - Due Diligence Vendor-07/15/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 799 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.15 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.75 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxxx |
| 841119 | xxxxxx | -- D B A | Closed | xxxxxx | 2025-07-14 11:10 | 2025-08-11 14:47 | Resolved | 1 - Information C A | Compliance | Points & Fees | High-Cost Mortgage Late Fee Test | Resolved- - Due Diligence Vendor-08/11/2025 <br> Open- - Due Diligence Vendor-07/28/2025 <br> Resolved-Remediate post close provided - Due Diligence Vendor-07/28/2025 <br> Resolved- - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. See cure <br> - Due Diligence Vendor-07/28/2025 <br> Open- - Due Diligence Vendor-07/15/2025 <br> Open-\*\*Loan failed the High-Cost test due to exceeding the total points and fees threshold. - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 <br> Open-This loan failed the high-cost mortgage late charges test for one of the following reasons: (12 CFR §1026.34(a)(8)(i))The loan provides for a late payment fee in excess of 4% of the amount of the payment past due; orA value for the late charges amount was not provided.Any late payment charge imposed in connection with a high-cost mortgage must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed 4 percent of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 |  | Resolved-Remediate post close provided - Due Diligence Vendor-07/28/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 799 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.15 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.75 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |  | Full Review841119_xxxxxx_7_23_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxxx |
| 841119 | xxxxxx | -- D B A | Closed | xxxxxx | 2025-07-14 16:23 | 2025-08-06 20:18 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Incomplete | Resolved-Notary acknowledge date updated and initialed to read correctly as xxxxxx. - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. See updated DOT - Due Diligence Vendor-08/07/2025 <br> Open-\*\*\*Notary Acknowledgement printed date is xxxxxx. Year is in the past. - Due Diligence Vendor-07/14/2025 |  | Resolved-Notary acknowledge date updated and initialed to read correctly as xxxxxx. - Due Diligence Vendor-08/07/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 799 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.15 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.75 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |  | Full Review841119_xxxxxx_8_6_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxxx |
| 841119 | xxxxxx | -- D B A | Closed | xxxxxx | 2025-07-14 12:16 | 2025-07-28 16:12 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-07/28/2025 <br> Open-Document Uploaded. Updated 1003 and 1008 removed the account. not needed. - Due Diligence Vendor-07/28/2025 <br> Open-Asset 3 Missing Retirement account statement for xxxxxx with a balance of $57,401.61 is missing from the file. - Due Diligence Vendor-07/14/2025 |  | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-07/28/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 799 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.15 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.75 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |  | Full Review841119_xxxxxx_7_23_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxxx |
| 841872 | xxxxxx | -- B A | Closed | xxxxxx | 2025-07-14 14:15 | 2025-07-14 14:15 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of 642 is less than Guideline FICO of 660 Client waived with compensating factors. Minimum fico of 660 for cash out - Due Diligence Vendor-09/19/2025 |  | Waived-Audited FICO of 642 is less than Guideline FICO of 660 Client waived with compensating factors. Minimum fico of 660 for cash out - Due Diligence Vendor-09/19/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.03 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 42.41% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 842095 | xxxxxx | -- B A | Closed | xxxxxx | 2025-07-29 07:42 | 2025-07-29 07:42 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements Client waived with compensating factors. Current Guideline: Payment history must be documented on subject property. Exception to Current Guideline: Borrower pays cash and cannot document payment history - VOM and LOE in file - Due Diligence Vendor-09/19/2025 |  | Waived-Housing History Does Not Meet Guideline Requirements Client waived with compensating factors. Current Guideline: Payment history must be documented on subject property. Exception to Current Guideline: Borrower pays cash and cannot document payment history - VOM and LOE in file - Due Diligence Vendor-09/19/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 158.72 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 747 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | \* Credit Score 30+ points > minimum required<br> \* Reserves exceed requirement by 10 months or more<br> \* Experienced investor owns and manages 10 or more properties for 12 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 842433 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-30 11:38 | 2025-08-06 00:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap report sent and is within days tolerance of closing - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. See xxxxxx - Due Diligence Vendor-08/06/2025 <br> Counter-Updated credit report from 06/04 provided but this updated version is still not within date tolerance of the gap credit report requirement. - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. Gap Report - Due Diligence Vendor-08/05/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-07/30/2025 |  | Resolved-Gap report sent and is within days tolerance of closing - Due Diligence Vendor-08/06/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review842433_xxxxxx_8_4_2025_xxxxxx_PM.zip<br> Full Review842433_xxxxxx_8_5_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842433 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-31 12:27 | 2025-08-06 00:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-As a xxxxxx, borrower would not have any entity documents. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. The borrower doesnt own this company. The borrower is a self employed xxxxxx that works for that company. - Due Diligence Vendor-08/06/2025 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing verification that borrower owns 25% or more of xxxxxx. - Due Diligence Vendor-07/31/2025 |  | Resolved-As a xxxxxx, borrower would not have any entity documents. - Due Diligence Vendor-08/06/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review842433_xxxxxx_8_5_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842433 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-30 11:27 | 2025-08-05 00:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-08/05/2025 <br> Resolved-Worksheet provided - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. See worksheet - Due Diligence Vendor-08/05/2025 <br> Open-Missing Lender Worksheet or Bank Statement Summary Missing Bank Statement Summary. Unable to determine how lender arrived at the monthly average based on the documentation provided. - Due Diligence Vendor-07/30/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-08/05/2025 <br> Resolved-Worksheet provided - Due Diligence Vendor-08/05/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review842433_xxxxxx_8_4_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842433 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-30 11:27 | 2025-08-05 00:57 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. See VOE - Due Diligence Vendor-08/05/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-07/30/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/05/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review842433_xxxxxx_8_4_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842433 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-30 11:18 | 2025-08-05 00:54 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. See Fraud - Due Diligence Vendor-08/05/2025 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-07/30/2025 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-08/05/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review842433_xxxxxx_8_4_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842433 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-30 11:15 | 2025-08-05 00:53 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. Flood Cert - Due Diligence Vendor-08/05/2025 <br> Open-Missing Flood Certificate - Due Diligence Vendor-07/30/2025 |  | Resolved-Flood Certificate is fully present - Due Diligence Vendor-08/05/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review842433_xxxxxx_8_4_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842433 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-30 11:15 | 2025-08-05 00:53 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. HOI - Due Diligence Vendor-08/05/2025 <br> Open-Missing Hazard Insurance Policy - Due Diligence Vendor-07/30/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-08/05/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review842433_xxxxxx_8_4_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842433 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-30 11:14 | 2025-08-05 00:48 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. See purchase contract - Due Diligence Vendor-08/05/2025 <br> Open-Purchase Contract Is Missing - Due Diligence Vendor-07/30/2025 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-08/05/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review842433_xxxxxx_8_4_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842433 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-30 10:59 | 2025-08-05 00:42 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. See title - Due Diligence Vendor-08/05/2025 <br> Open-Title Document is missing - Due Diligence Vendor-07/30/2025 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-08/05/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review842433_xxxxxx_8_4_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842433 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-31 12:58 | 2025-08-05 00:38 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. See bank statements - Due Diligence Vendor-08/05/2025 <br> Open-Asset 2 Missing Missing xxxxxx bank Savings account xxxxxx to verify $30,103.67. - Due Diligence Vendor-07/31/2025 |  | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-08/05/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review842433_xxxxxx_8_4_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842433 | xxxxxx | -- D A | Closed | xxxxxx | 2025-07-31 12:58 | 2025-08-05 00:38 | Resolved | 1 - Information C A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Gift fund 13400 and borrower brought in 22,219.91 per Final CD in the file. Borrower has 37420.21 verified in assets. - Due Diligence Vendor-08/05/2025 <br> Open-Total Liquid Assets Available for Close of $37420.21 is less than Total Cash to Close $50219.91. Based on the asset documentation provided, funds required are short by $29,469.60. No documentation in file to verify earnest money deposit or sufficient assets to verify needed funds to close and reserves. - Due Diligence Vendor-07/31/2025 |  | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-08/05/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842946 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 841120 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 838534 | xxxxxx | -- A |  |  |  |  |  | -- A |  |  |  |  |  |  |  |  |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |

---

## Exhibit 99.12

**EXHIBIT 99.12**

**CANOPY rATING AGENCY GRADES**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 776220 | xxxxxx |  | xxxxxx D A |
| 797497 | xxxxxx |  | xxxxxx A |
| 790574 | xxxxxx |  | xxxxxx A |
| 792881 | xxxxxx |  | xxxxxx B A |
| 794081 | xxxxxx |  | xxxxxx D A |
| 792882 | xxxxxx |  | xxxxxx B A D |
| 793992 | xxxxxx |  | xxxxxx A |
| 794080 | xxxxxx |  | xxxxxx A |
| 793979 | xxxxxx |  | xxxxxx B A |
| 793675 | xxxxxx |  | xxxxxx A |
| 794094 | xxxxxx |  | xxxxxx B A |
| 796667 | xxxxxx |  | xxxxxx A |
| 799666 | xxxxxx |  | xxxxxx B A |
| 796661 | xxxxxx |  | xxxxxx B A |
| 798186 | xxxxxx |  | xxxxxx D A |
| 808664 | xxxxxx |  | xxxxxx A |
| 836633 | xxxxxx |  | xxxxxx A NA C |
| 837710 | xxxxxx |  | xxxxxx B D A |
| 837711 | xxxxxx |  | xxxxxx B D A |
| 834282 | xxxxxx |  | xxxxxx C A |
| 837699 | xxxxxx |  | xxxxxx B A |
| 837703 | xxxxxx |  | xxxxxx B A |
| 837125 | xxxxxx |  | xxxxxx A |
| 837255 | xxxxxx |  | xxxxxx D A |
| 837039 | xxxxxx |  | xxxxxx D A |
| 837285 | xxxxxx |  | xxxxxx A |
| 837241 | xxxxxx |  | xxxxxx D A |
| 837350 | xxxxxx |  | xxxxxx A |
| 837051 | xxxxxx |  | xxxxxx A |
| 834887 | xxxxxx |  | xxxxxx D A B |
| 836790 | xxxxxx |  | xxxxxx A NA |
| 837555 | xxxxxx |  | xxxxxx A |
| 837808 | xxxxxx |  | xxxxxx D A |
| 837945 | xxxxxx |  | xxxxxx A NA |
| 837282 | xxxxxx |  | xxxxxx A |
| 837762 | xxxxxx |  | xxxxxx A |
| 837978 | xxxxxx |  | xxxxxx C A |
| 836461 | xxxxxx |  | xxxxxx D NA |
| 837388 | xxxxxx |  | xxxxxx A C |
| 837559 | xxxxxx |  | xxxxxx A |
| 836983 | xxxxxx |  | xxxxxx A NA |
| 837818 | xxxxxx |  | xxxxxx A |
| 838225 | xxxxxx |  | xxxxxx A |
| 837420 | xxxxxx |  | xxxxxx D C A |
| 838539 | xxxxxx |  | xxxxxx A |
| 836566 | xxxxxx |  | xxxxxx D A |
| 837826 | xxxxxx |  | xxxxxx A |
| 837577 | xxxxxx |  | xxxxxx D A |
| 838482 | xxxxxx |  | xxxxxx A NA |
| 838447 | xxxxxx |  | xxxxxx A |
| 841119 | xxxxxx |  | xxxxxx D NA B |
| 841872 | xxxxxx |  | xxxxxx B A |
| 842095 | xxxxxx |  | xxxxxx B A |
| 842433 | xxxxxx |  | xxxxxx D A |
| 842946 | xxxxxx |  | xxxxxx A NA |
| 841120 | xxxxxx |  | xxxxxx A NA |
| 838534 | xxxxxx |  | xxxxxx A NA |

---

## Exhibit 99.13

**EXHIBIT 99.13**

**CANOPY DATA COMPARE**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 837282 | xxxxxx |  | xxxxxx | ARM Lifetime Interest Rate Cap Maximum | 5 | 7 |  |
| 776220 | xxxxxx |  | xxxxxx | Borrower 1 Self-Employment Flag | No | Yes |  |
| 793979 | xxxxxx |  | xxxxxx | Borrower 1 Self-Employment Flag | Yes | No |  |
| 836790 | xxxxxx |  | xxxxxx | First Payment Date | xxxxxx | xxxxxx |  |
| 837282 | xxxxxx |  | xxxxxx | Margin | 6.5 | 2 |  |
| 796661 | xxxxxx |  | xxxxxx | Note Date | xxxxxx | xxxxxx |  |
| 808664 | xxxxxx |  | xxxxxx | Note Date | xxxxxx | xxxxxx |  |
| 837241 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 837282 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 836461 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 837559 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 842433 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 841120 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 837559 | xxxxxx |  | xxxxxx | Property Address | xxxxxx | xxxxxx |  |
| 837241 | xxxxxx |  | xxxxxx | Property Type | Townhouse | Single Family Detached |  |
| 837762 | xxxxxx |  | xxxxxx | Property Type | Townhouse | Single Family Detached |  |
| 837978 | xxxxxx |  | xxxxxx | Property Type | Two to Four Unit | Single Family Detached |  |
| 838482 | xxxxxx |  | xxxxxx | Property Type | Single Family Attached | Single Family Detached |  |
| 837945 | xxxxxx |  | xxxxxx | Qualifying CLTV | 62.1 | 62.2909 |  |
| 841120 | xxxxxx |  | xxxxxx | Qualifying CLTV | 76.75 | 76.4837 |  |
| 794081 | xxxxxx |  | xxxxxx | Qualifying FICO | 760 | 722 |  |
| 837559 | xxxxxx |  | xxxxxx | Qualifying Loan Amount | xxxxxx | xxxxxx |  |
| 841119 | xxxxxx |  | xxxxxx | Qualifying Loan Amount | xxxxxx | xxxxxx |  |
| 837282 | xxxxxx |  | xxxxxx | Qualifying LTV | 52.02 | 49.51923 |  |
| 841119 | xxxxxx |  | xxxxxx | Qualifying LTV | 37.75 | 33.78492 |  |
| 841120 | xxxxxx |  | xxxxxx | Qualifying LTV | 33.0 | 32.8436 |  |
| 836461 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 31.32 | 23.58 |  |
| 837762 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 44.81 | 40.61 |  |
| 837420 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 48.89 | 44.702 |  |
| 838447 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 26.72 | 23.399 |  |
| 842433 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 34.05 | 41.2 |  |
| 837559 | xxxxxx |  | xxxxxx | Sales Price | xxxxxx | xxxxxx |  |

---

## Exhibit 99.14

**EXHIBIT 99.14**

**CANOPY ATR QM REPORT**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Investor Loan ID** | **Seller 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?** |
| 776220 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Unknown | Unknown | No | No | Yes | Present |
| 797497 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 790574 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 |  | N/A | Employed |  | No |  | Yes | Present |
| 792881 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No |  | No | No | No | No | No |  |  | 9.33 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| 794081 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | No | No |  | No | No | No | No | No |  |  | 7.217 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Unknown | No | No | No |  |
| 792882 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | Unknown | Unknown | Yes | Yes | Yes | Present |
| 793992 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No |  | No | No | No | No | No |  |  | 7.626 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| 794080 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | No | No |  | No | No | No | No | No |  |  | 7.771 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| 793979 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No |  | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 793675 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No |  | No | No | No | No | No |  |  | 8.152 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| 794094 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No |  | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 796667 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | Yes | No |  | No | No | No | No | No |  |  | 8.471 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| 799666 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | Yes | No | No | No | No | No | No | No |  |  | 8.864 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10755.82 | N/A | Employed |  | No |  | No |  |
| 796661 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | Yes | No |  | No | No | No | No | No |  |  | 9.147 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5303.7 | Yes | Employed |  | No |  | No |  |
| 798186 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | Yes | Present |
| 808664 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No |  | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 836633 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | Yes | 6762.94 | 9.831 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 3610.16 | Yes | Employed |  | No |  | No |  |
| 837710 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 837711 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 834282 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 17713.12 | 9.052 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10284.49 | N/A | Employed |  | No |  | No |  |
| 837699 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | 14140 | 8.27 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11732.88 | Yes | Employed |  | No |  | No |  |
| 837703 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 837125 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 6793.21 | 7.605 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5499.48 | Yes | Retired | Retired | No | No | No |  |
| 837255 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 11325.25 | 7.5 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30681.07 | N/A | Employed | Employed | No | No | No |  |
| 837039 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 837285 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 |
| 837241 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 9349.33 | 7.871 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10480.14 | Yes | Employed | Retired | No | No | No |  |
| 837350 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 375 | 7.804 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4561.92 | Yes | Employed |  | No |  | No |  |
| 837051 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | 16590 | 8.769 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9553.88 | Yes | Employed |  | No |  | No |  |
| 834887 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 836790 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 6355 | 9.642 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 3780.9 | N/A | Employed | Employed | No | No | No |  |
| 837555 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 26518.01 | 8.765 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20350.56 | Yes | Employed | Not Employed | No | No | No |  |
| 837808 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 837945 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 10145 | 10.065 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 8100.44 | N/A | Not Employed |  | No |  | No |  |
| 837282 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 837762 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 9096.08 | 7.854 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4170.71 | Yes | Not Employed | Employed | No | No | No |  |
| 837978 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 836461 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 2090 | 8.136 | N/A | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5965.67 | Yes | Employed |  | No |  | No |  |
| 837388 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 837559 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 |
| 836983 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 8410 | 10.508 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 10634.97 | N/A | Employed |  | No |  | No |  |
| 837818 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 838225 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 837420 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | 1695 | 8.797 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22270.78 | Yes | Employed | Employed | No | No | No |  |
| 838539 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 16841.24 | Yes | Employed |  | No |  | Yes | Present |
| 836566 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 4092 | 7.984 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11981.89 | N/A | Not Employed | Not Employed | No | No | No |  |
| 837826 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 837577 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 12133.15 | 9.794 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 38871.41 | Yes | Employed |  | No |  | No |  |
| 838482 |  | xxxxxx | xxxxxx | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 3082.5 | 9.29 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 3487.73 | N/A | Employed | Employed | No | No | No |  |
| 838447 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 14314.51 | 7.731 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31036.77 | Yes | Employed | Employed | No | No | No |  |
| 841119 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 4480 | 10.308 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 3715.64 | N/A | Employed |  | No |  | No |  |
| 841872 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 842095 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | 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 |
| 842433 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 5995 | 9.425 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5825.47 | N/A | Employed |  | No |  | No |  |
| 842946 |  | xxxxxx | xxxxxx | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 2346 | 8.994 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 5955.49 | N/A | Employed |  | No |  | No |  |
| 841120 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 8126.03 | 9.309 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 7270.95 | N/A | Employed |  | No |  | No |  |
| 838534 |  | xxxxxx | xxxxxx | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender 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 | 41401.54 | N/A | Employed | Not Employed | No | No | Yes | Present |

---

## Exhibit 99.15

**EXHIBIT 99.15**

**CANOPY VALUATION REPORT**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 776220 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 40 | 40 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 07-20-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 797497 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | Other | xxxxxx | 74.81 | 74.81 | xxxxxx | 0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | 01-04-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 790574 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 79.55 | 79.55 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-14-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 792881 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 34.07 | 34.07 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 06-21-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 794081 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 06-14-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 792882 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 06-13-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 793992 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-03-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 794080 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-05-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 793979 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 07-20-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 793675 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 53.46 | 53.46 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-21-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 794094 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 30.49 | 30.49 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-29-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 796667 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-09-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 799666 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 62.69 | 62.69 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Adequate | 08-23-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 796661 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 46.52 | 46.52 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 08-28-2023 |
| 798186 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-03-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 808664 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1025 Small Residential Income Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 03-05-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836633 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | AVM | xxxxxx | 23.44 | 58.24 | xxxxxx | 64048 | .1073 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .1073 | 94.0 | 0.06 | xxxxxx | Other | 03-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837710 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 04-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 04-08-2025 |
| 837711 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 04-08-2025 |
| 834282 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 04-22-2025 |
| 837699 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 05-07-2025 | Eligible | 1.5 |  |
| 837703 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | 04-17-2025 |
| 837125 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 04-22-2025 |
| 837255 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 04-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-01-2025 | Eligible |  |  |
| 837039 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 04-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837285 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 59.38 | 59.38 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 04-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 04-15-2025 |
| 837241 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | -25320 | -.0441 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0441 | 97.0 | 0.03 | xxxxxx | xxxxxx | 05-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-09-2025 | Eligible |  |  |
| 837350 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 59.97 | 59.97 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 05-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-07-2025 |
| 837051 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1025 Small Residential Income Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834887 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-27-2025 |
| 836790 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | AVM | xxxxxx | 26.06 | 56.11 | xxxxxx | -20714 | -.0348 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0348 | 96.0 | 0.04 | xxxxxx | xxxxxx | 09-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837555 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-09-2025 |
| 837808 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 46.31 | 46.31 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Reasonable | 05-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837945 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 20.83 | 62.1 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837282 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 52.02 | 52.02 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-25-2025 | Eligible |  |  |
| 837762 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-05-2025 | Eligible |  |  |
| 837978 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1025 Small Residential Income Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 05-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836461 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 29.33 | 69.51 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 05-08-2025 | Not Eligible |  |  |
| 837388 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-23-2025 | Eligible | 1.2 | 04-23-2025 |
| 837559 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 05-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 05-20-2025 |
| 836983 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 33.09 | 69.59 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 05-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 05-05-2025 |
| 837818 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 60.0 | 60.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-29-2025 | Eligible | 1 | 04-29-2025 |
| 838225 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1025 Small Residential Income Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 05-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837420 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-01-2025 |
| 838539 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 05-15-2025 |
| 836566 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-10-2025 |
| 837826 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1025 Small Residential Income Report | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 05-08-2025 | Not Eligible |  |  |
| 837577 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 05-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | 05-27-2025 |
| 838482 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 12.3 | 63.72 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | REASONABLE | 05-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 05-23-2025 |
| 838447 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 06-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 06-03-2025 |
| 841119 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 37.75 | 84.38 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-25-2025 | Eligible |  |  |
| 841872 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 42.41 | 42.41 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 05-23-2025 | Eligible | 1.3 | 05-23-2025 |
| 842095 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 05-13-2025 |
| 842433 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 06-23-2025 | Eligible | 1 | 06-23-2025 |
| 842946 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 14.94 | 79.01 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-22-2025 |
| 841120 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 33.0 | 79.51 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 07-25-2025 |
| 838534 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 26.92 | 58.38 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | LOW RISK | 07-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-25-2025 |

---

## Exhibit 99.16

**EXHIBIT 99.16**

**CLARIFII LLC ("cLARIFII") EXECUTIVE SUMMARY**

![](tm2529005d1_ex99-16img001.jpg)

**EXECUTIVE SUMMARY**

**Verus 2025-10**

**By Clarifii LLC on October 21, 2025**

VERUS 2025-10 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 1

![](tm2529005d1_ex99-16img001.jpg)

**CLARIFII CONTACT INFORMATION**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Christine Aug** | &nbsp;&nbsp;**Jason Luttenberger** |
| &nbsp;&nbsp; Vice President of Due Diligence | &nbsp;&nbsp; President and Chief Operating Officer |
| &nbsp;&nbsp; Phone: 813.735.4487 | &nbsp;&nbsp; Phone: 917.742.7797 |
| &nbsp;&nbsp; E-mail: 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 289 Loans (the "Loans") originated by a correspondent lender and acquired by VMC Asset Pooler, LLC or its affiliates (the "Client") for the Verus 2025-10 transaction. The Loans referenced in this narrative report were reviewed between 08/2022 to 08/2025 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the Loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;20 | &nbsp;&nbsp;6.92% | &nbsp;&nbsp;$8364177.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;99 | &nbsp;&nbsp;34.26% | &nbsp;&nbsp;$55292406.00 |
| &nbsp;&nbsp;Correspondent Bulk | &nbsp;&nbsp;21 | &nbsp;&nbsp;7.27% | &nbsp;&nbsp;$8639543.00 |
| &nbsp;&nbsp;Correspondent Flow without Delegated UW | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.38% | &nbsp;&nbsp;$1561300.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;145 | &nbsp;&nbsp;50.17% | &nbsp;&nbsp;$77203097.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**289** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$151060523.00** |

---

The Review consisted of a population of 289 Loans, with an aggregate principal balance of $151,060,523.00.

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

VERUS 2025-10 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 2

![](tm2529005d1_ex99-16img001.jpg)

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

---

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

---

**DATA INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Fields** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;AR Subsequent Changes Cap |
| &nbsp;&nbsp;ARM Initial Fixed Rate Period |
| &nbsp;&nbsp;ARM Initial Interest Rate Cap |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Cap Maximum |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Minimum |
| &nbsp;&nbsp;ARM Rate Index Type |
| &nbsp;&nbsp;Blanket Mortgage Flag |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Citizen |
| &nbsp;&nbsp;Borrower 1 Credit Report Date |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 FTHB |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Qualifying Income |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 1 Total Income |
| &nbsp;&nbsp;Borrower 1 Verified Citizenship Designation |
| &nbsp;&nbsp;Borrower 2 Citizen |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 Qualifying Income |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag |

---

VERUS 2025-10 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 3

![](tm2529005d1_ex99-16img001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Borrower 2 Total Income |
| &nbsp;&nbsp;Business Entity EIN |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close |
| &nbsp;&nbsp;Cash to Close |
| &nbsp;&nbsp;Closing/Settlement Date |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Initial Interest Rate |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Interest Only Term |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Margin |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;Mortgage Origination Channel |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Note Type |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Origination Foreclosure Flag |
| &nbsp;&nbsp;Originator Doc Type |
| &nbsp;&nbsp;Originator QM Status |
| &nbsp;&nbsp;Payment Frequency |
| &nbsp;&nbsp;Prepayment Penalty |
| &nbsp;&nbsp;Prepayment Penalty Flag |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property Attachment Type |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;QM Qualifying Housing Debt Income Ratio |
| &nbsp;&nbsp;QM Qualifying Total Debt Income Ratio |

---

VERUS 2025-10 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 4

![](tm2529005d1_ex99-16img001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying HLTV |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Monthly P&I Amount |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Required Subject Property Reserves Amount |
| &nbsp;&nbsp;Reviewed Total Housing Expense PITIA |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;Subject Property Gross Rental income |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves |
| &nbsp;&nbsp;Total Qualifying Income |
| &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;Underwriting Guideline Product Name |
| &nbsp;&nbsp;Valuation Date |
| &nbsp;&nbsp;Verified Doc Type |
| &nbsp;&nbsp;Vested Business Entity Name |

---

**CREDIT UNDERWRITING**

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

&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) |

---

VERUS 2025-10 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 5

![](tm2529005d1_ex99-16img001.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 |

---

&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

VERUS 2025-10 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 6

![](tm2529005d1_ex99-16img001.jpg)

&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 <br> - 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 |

---

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

- Calculated DSCR, as required by guidelines <br> - Confirmed documentation requirements have been met

VERUS 2025-10 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 7

![](tm2529005d1_ex99-16img001.jpg)

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

**DOCUMENT REVIEW**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Note** 

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

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

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

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

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

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

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

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

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

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

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

**COMPLIANCE REVIEW**

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

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

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

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

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

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

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

- Initial and final application (1003)

VERUS 2025-10 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 8

![](tm2529005d1_ex99-16img001.jpg)

---

| |
|:---|
| 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).

VERUS 2025-10 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 9

![](tm2529005d1_ex99-16img001.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). |
| 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. |

---

VERUS 2025-10 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 10

![](tm2529005d1_ex99-16img001.jpg)

---

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

---

VERUS 2025-10 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 11

![](tm2529005d1_ex99-16img001.jpg)

---

| |
|:---|
| 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;a. Verify reflects correct address

&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;c. Verify executed by all borrowers

---

| |
|:---|
| Review Note accuracy and properly executed |
| Review Mortgage and applicable riders for accuracy and properly executed |
| Occupancy Letter (must state that borrower(s) will not reside in the property |
| HMDA section (Information for Government Monitoring Purposes) of the application (initial and/or final) |
| If property is in a flood zone, Flood Notice must be provided prior to closing |
| Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure |
| Letter of Explanation detailing the use of proceeds. |
| Borrower's statement of purpose for the Loan. |
| State License requirements when applicable |
| State Predatory lending and high cost when applicable |

---

VERUS 2025-10 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 12

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**QUALIFIED MORTGAGE (QM)**

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

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

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

**ABILITY TO REPAY (ATR)**

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

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

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

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

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

VERUS 2025-10 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 13

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**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) or AVE/CMA (Automated Valuation Estimate/ Comparative Market Analysis)
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.

VERUS 2025-10 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 14

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**VALUATION RESULTS SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No Hit** | &nbsp;&nbsp;**# of Files > -10% <br> Variance to OA or <br> Confidence < 80%** | &nbsp;&nbsp;**Number of Files<br> within -10% of OA<br> or Acceptable<br> UCDP Risk Score** |
| &nbsp;&nbsp;No Secondary Product | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;AVE/CMA | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;LCA and/or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;102 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;170 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Enhanced Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 |

---

**DUE DILIGENCE GRADING CRITERIA**

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

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

**Final Event Grade**

---

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

---

**Credit Event Grade**

---

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

---

VERUS 2025-10 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 15

![](tm2529005d1_ex99-16img001.jpg)

**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. |

---

**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.

VERUS 2025-10 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 16

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**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Grade Summary S&P** | &nbsp;&nbsp;**Overall Grade Summary S&P** | &nbsp;&nbsp;**Overall Grade Summary S&P** |
| &nbsp;&nbsp;**Overall Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;142 | &nbsp;&nbsp;49.13% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;147 | &nbsp;&nbsp;50.87% |
| &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;**289** | &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 S&P** | &nbsp;&nbsp;**Credit Grade Summary S&P** | &nbsp;&nbsp;**Credit Grade Summary S&P** |
| &nbsp;&nbsp;**Credit Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;163 | &nbsp;&nbsp;56.40% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;126 | &nbsp;&nbsp;43.60% |
| &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;**289** | &nbsp;&nbsp;**100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Grade Summary S&P** | &nbsp;&nbsp;**Property Grade Summary S&P** | &nbsp;&nbsp;**Property Grade Summary S&P** |
| &nbsp;&nbsp;**Property Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;278 | &nbsp;&nbsp;96.19% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;11 | &nbsp;&nbsp;3.81% |
| &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;**289** | &nbsp;&nbsp;**100.00%** |

---

VERUS 2025-10 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 17

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**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Grade Summary S&P** | &nbsp;&nbsp;**Compliance Grade Summary S&P** | &nbsp;&nbsp;**Compliance Grade Summary S&P** |
| &nbsp;&nbsp;**Compliance Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;246 | &nbsp;&nbsp;85.12% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;43 | &nbsp;&nbsp;14.88% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.29% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**289** | &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;ARM | &nbsp;&nbsp;39 | &nbsp;&nbsp;13.49% | &nbsp;&nbsp;$24119873.00 |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;250 | &nbsp;&nbsp;86.51% | &nbsp;&nbsp;$126940650.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**289** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$151060523.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;161 | &nbsp;&nbsp;55.71% | &nbsp;&nbsp;$89136204.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;14 | &nbsp;&nbsp;4.84% | &nbsp;&nbsp;$7750928.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;114 | &nbsp;&nbsp;39.45% | &nbsp;&nbsp;$54173391.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**289** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$151060523.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;81 | &nbsp;&nbsp;28.03% | &nbsp;&nbsp;$36309534.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;208 | &nbsp;&nbsp;71.97% | &nbsp;&nbsp;$114750989.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**289** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$151060523.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;276 | &nbsp;&nbsp;95.50% | &nbsp;&nbsp;$148726788.00 |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;13 | &nbsp;&nbsp;4.50% | &nbsp;&nbsp;$2333735.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**289** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$151060523.00** |

---

VERUS 2025-10 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 18

![](tm2529005d1_ex99-16img001.jpg)

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;480 | &nbsp;&nbsp;6 | &nbsp;&nbsp;2.08% | &nbsp;&nbsp;$3014650.00 |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;283 | &nbsp;&nbsp;97.92% | &nbsp;&nbsp;$148045873.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**289** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$151060523.00** |

---

**DATA COMPARE RESULTS**

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

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Fields** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;6 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;AR Subsequent Changes Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Initial Fixed Rate Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Initial Interest Rate Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Cap Maximum | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Minimum | &nbsp;&nbsp;3 | &nbsp;&nbsp;14 | &nbsp;&nbsp;78.57% |
| &nbsp;&nbsp;ARM Rate Index Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Blanket Mortgage Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Credit Report Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;18 | &nbsp;&nbsp;88.89% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;259 | &nbsp;&nbsp;99.23% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;3 | &nbsp;&nbsp;265 | &nbsp;&nbsp;98.87% |
| &nbsp;&nbsp;Borrower 1 Qualifying Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;4 | &nbsp;&nbsp;115 | &nbsp;&nbsp;96.52% |
| &nbsp;&nbsp;Borrower 1 Total Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Verified Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Qualifying Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Total Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Business Entity EIN | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;3 | &nbsp;&nbsp;14 | &nbsp;&nbsp;78.57% |

---

VERUS 2025-10 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 19

![](tm2529005d1_ex99-16img001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;26 | &nbsp;&nbsp;96.15% |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close | &nbsp;&nbsp;1 | &nbsp;&nbsp;4 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;Cash to Close | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Closing/Settlement Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;11 | &nbsp;&nbsp;54.55% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;19 | &nbsp;&nbsp;156 | &nbsp;&nbsp;87.82% |
| &nbsp;&nbsp;Initial Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;80 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;3 | &nbsp;&nbsp;280 | &nbsp;&nbsp;98.93% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;43 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;261 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;9 | &nbsp;&nbsp;288 | &nbsp;&nbsp;96.88% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;55 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;2 | &nbsp;&nbsp;228 | &nbsp;&nbsp;99.12% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;282 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;5 | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;21 | &nbsp;&nbsp;36 | &nbsp;&nbsp;41.67% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;89 | &nbsp;&nbsp;97.75% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;1 | &nbsp;&nbsp;29 | &nbsp;&nbsp;96.55% |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;48 | &nbsp;&nbsp;97.92% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;7 | &nbsp;&nbsp;286 | &nbsp;&nbsp;97.55% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;2 | &nbsp;&nbsp;272 | &nbsp;&nbsp;99.26% |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;10 | &nbsp;&nbsp;20 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Payment Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;1 | &nbsp;&nbsp;13 | &nbsp;&nbsp;92.31% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;269 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;3 | &nbsp;&nbsp;48 | &nbsp;&nbsp;93.75% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;4 | &nbsp;&nbsp;288 | &nbsp;&nbsp;98.61% |
| &nbsp;&nbsp;Property Attachment Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;6 | &nbsp;&nbsp;280 | &nbsp;&nbsp;97.86% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;1 | &nbsp;&nbsp;26 | &nbsp;&nbsp;96.15% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;274 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;57 | &nbsp;&nbsp;246 | &nbsp;&nbsp;76.83% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;2 | &nbsp;&nbsp;280 | &nbsp;&nbsp;99.29% |
| &nbsp;&nbsp;QM Qualifying Housing Debt Income Ratio | &nbsp;&nbsp;2 | &nbsp;&nbsp;3 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;QM Qualifying Total Debt Income Ratio | &nbsp;&nbsp;2 | &nbsp;&nbsp;10 | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;16 | &nbsp;&nbsp;254 | &nbsp;&nbsp;93.70% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;16 | &nbsp;&nbsp;275 | &nbsp;&nbsp;94.18% |
| &nbsp;&nbsp;Qualifying HLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;62 | &nbsp;&nbsp;100.00% |

---

VERUS 2025-10 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 20

![](tm2529005d1_ex99-16img001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;16 | &nbsp;&nbsp;274 | &nbsp;&nbsp;94.16% |
| &nbsp;&nbsp;Qualifying Monthly P&I Amount | &nbsp;&nbsp;2 | &nbsp;&nbsp;4 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;72 | &nbsp;&nbsp;209 | &nbsp;&nbsp;65.55% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;11 | &nbsp;&nbsp;19 | &nbsp;&nbsp;42.11% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;64 | &nbsp;&nbsp;96.88% |
| &nbsp;&nbsp;Required Subject Property Reserves Amount | &nbsp;&nbsp;2 | &nbsp;&nbsp;4 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Reviewed Total Housing Expense PITIA | &nbsp;&nbsp;2 | &nbsp;&nbsp;9 | &nbsp;&nbsp;77.78% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;16 | &nbsp;&nbsp;208 | &nbsp;&nbsp;92.31% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;238 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Subject Property Gross Rental income | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;267 | &nbsp;&nbsp;99.63% |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves | &nbsp;&nbsp;7 | &nbsp;&nbsp;13 | &nbsp;&nbsp;46.15% |
| &nbsp;&nbsp;Total Qualifying Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Underwriting Guideline Product Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Valuation Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Vested Business Entity Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |

---

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

1. Narrative Report/Executive Summary

2. Attestation Forms

3. ASF Report

4. Rating Agency Grade Detail and Summary Report

5. Data Compare Report

6. Valuations Report

7. Rating Agency ATR/QM Report

8. Supplement Data Extract

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.*

VERUS 2025-10 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 21

![](tm2529005d1_ex99-16img001.jpg)

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

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

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

VERUS 2025-10 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 22

## Exhibit 99.17

**EXHIBIT 99.17**

**CLARIFII RATING AGENCY GRADES DETAIL REPORT**

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| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller 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** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 775451 | xxxxxx D A C | Closed | xxxxxx | 2022-08-09 11:05 | 2022-08-24 11:06 | Resolved | 1 - Information C A | Property | Property Issue | FEMA declared disaster after the note date and appraisal date | Resolved--Received post-close Disaster Area Inspection with photos - Due Diligence Vendor-08/24/2022 <br> Open--xxxxxx)<br> Incident Period: xxxxxx<br> Major Disaster Declaration declared on xxxxxx<br> - No counties listed, however, FEMA disaster map indicates Individual assistance for xxxxxx area. - Due Diligence Vendor-08/09/2022 |  | Resolved--Received post-close Disaster Area Inspection with photos - Due Diligence Vendor-08/24/2022 | Verified employment history exceeds guidelines - Borrower owner of business for the past 6 years<br> Qualifying FICO score is at least 20 points above minimum for program - - qualifying FICO is 47 points above minimum required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 775451 | xxxxxx D A C | Closed | xxxxxx | 2022-08-09 10:23 | 2022-08-11 17:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved--GAP/Monitoring report provided. - Due Diligence Vendor-08/11/2022 <br> Counter--Received Undisclosed Debt Notifications Report dated xxxxxx which is not within 10 of Note date xxxxxx. Document reflects a Monitoring Start Date of xxxxxx, Monitoring End date is black. Finding remains - Due Diligence Vendor-08/11/2022 <br> Open-Borrower 1 Gap Credit Report is Missing - file is missing gap credit or undisclosed monitoring report dated within 10 days of closing. - Due Diligence Vendor-08/09/2022 |  | Resolved--GAP/Monitoring report provided. - Due Diligence Vendor-08/11/2022 | Verified employment history exceeds guidelines - Borrower owner of business for the past 6 years<br> Qualifying FICO score is at least 20 points above minimum for program - - qualifying FICO is 47 points above minimum required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776282 | xxxxxx D A | Closed | xxxxxx | 2022-09-26 15:23 | 2025-09-19 08:17 | Resolved | 1 - Information C A | Compliance | TRID | TRID Post-Consummation Reason for Redisclosure Validation Test | Resolved- Client provided COC for increase in Discount points dated xxxxxx. Discount points added to CD: xxxxxx - Due Diligence Vendor-09/19/2025 <br> Open-This loan failed the TRID post-consummation reason for redisclosure validation test.This loan contains a post-consummation revised closing disclosure delivery date but does not provide the reason for the redisclosure after consummation. The reason is required in order to audit post-consummation redisclosure timing tests. Missing evidence of reason for redisclosure after consummation. - Due Diligence Vendor-09/26/2022 |  | Resolved- Client provided COC for increase in Discount points dated xxxxxx. Discount points added to CD: xxxxxx - Due Diligence Vendor-09/19/2025 | Qualifying FICO score is at least 20 points above minimum for program - - FICO 729 exceeds minimum of 660.<br> On time mortgage history exceeds guideline requirement - - Five years of on time mortgage history exceeds 12 month minimum |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 776282 | xxxxxx D A | Closed | xxxxxx | 2022-09-26 15:22 | 2022-10-07 09:33 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test | Resolved-Received CD. - Due Diligence Vendor-09/19/2025 <br> Counter-Finding remains.<br>Client provided COC dated xxxxxx for increase in Discount Points. Discount points were added to CD: xxxxxx. CD must be provided within 3 days of Change of Circumstance date of xxxxxx. - Due Diligence Vendor-09/30/2022 <br> Open-This loan failed the revised closing disclosure delivery date and changed circumstances date test. (12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in 2015 , 12 CFR §1026.19(e)(4)(i))The revised closing disclosure delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and 10% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms.Official Interpretations12 C.F.R. §1026.19(e)(4)(ii)Relationship to disclosures required under §1026.19(f)(1)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i)...However, if a creditor uses a revised estimate pursuant to § 1026.19(e)(3)(iv) for the purpose of determining good faith under § 1026.19(e)(3)(i) and (ii), § 1026.19(e)(4)(i) permits the creditor to provide the revised estimate in the disclosures required under § 1026.19(f)(1)(i) (including any corrected disclosures provided under § 1026.19(f)(2)(i) or (ii)). COC in file, dated xxxxxx is not within 3 business days of increase CD date of xxxxxx. - Due Diligence Vendor-09/26/2022 |  | Resolved-Received CD. - Due Diligence Vendor-09/19/2025 | Qualifying FICO score is at least 20 points above minimum for program - - FICO 729 exceeds minimum of 660.<br> On time mortgage history exceeds guideline requirement - - Five years of on time mortgage history exceeds 12 month minimum |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 776282 | xxxxxx D A | Closed | xxxxxx | 2022-09-26 15:22 | 2022-10-07 09:33 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received CD. - Due Diligence Vendor-09/19/2025 <br> Counter-COC dated xxxxxx is more than 3 days prior to final CD dated xxxxxx. Provide COC dated within 3 days of final CD:xxxxxx. - Due Diligence Vendor-10/04/2022 <br> Counter-Finding remains. Client provided COC dated xxxxxx for discount fee of $14,400. The discount fee does not appear as a fee until xxxxxx. This COC is more than 3 days prior to the fee increase. Client provided Seller CD with credit for $200 from broker, no explanation of what the cure is for, this must be provided. - Due Diligence Vendor-09/30/2022 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $14,600.00.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). Discount points increased from $0 on the initial LE: xxxxxx to $14,400 on the final CD: xxxxxx. Appraisal fees increased from $1000.00 on the initial LE: xxxxxx to $1200 on the final CD: xxxxxx. Please provide a valid change of circumstance for the $14,600 increase or evidence of refund in the amount $14,600 no later than 60 calendar days after consummation date of xxxxxx.<br> $200 broker credit on post close CD is not itemized to reflect a cure.<br> Statute of Limitations - Three years<br> - Due Diligence Vendor-09/26/2022 |  | Resolved-Received CD. - Due Diligence Vendor-09/19/2025 | Qualifying FICO score is at least 20 points above minimum for program - - FICO 729 exceeds minimum of 660.<br> On time mortgage history exceeds guideline requirement - - Five years of on time mortgage history exceeds 12 month minimum |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 776282 | xxxxxx D A | Closed | xxxxxx | 2022-09-26 15:36 | 2022-09-30 12:18 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Client provided seller CD. - Due Diligence Vendor-09/30/2022 <br> Open-Missing Seller CD - Due Diligence Vendor-09/26/2022 |  | Resolved-Client provided seller CD. - Due Diligence Vendor-09/30/2022 | Qualifying FICO score is at least 20 points above minimum for program - - FICO 729 exceeds minimum of 660.<br> On time mortgage history exceeds guideline requirement - - Five years of on time mortgage history exceeds 12 month minimum |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 776650 | xxxxxx D B A | Closed | xxxxxx | 2022-11-03 13:57 | 2022-11-11 11:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Attorney Preference Letter | Resolved-Right To Choose Attorney or Attorney Preference Resolved or Not Applicable - Purchase agreement reflects borrower attorney as not the same as lender attorney, disclosure not required. - Due Diligence Vendor-11/11/2022 <br> Counter--Received xxxxxx Application Disclosure and Fee Agreement however, this is not the required disclosure. Missing Right to Choose Attorney or Attorney Preference disclosure. Finding remains - Due Diligence Vendor-11/09/2022 <br> Counter--Client response: Further explanation needed<br> -(AUDIT RESPONSE) File is missing xxxxxx Right to Choose an Attorney disclosure - Due Diligence Vendor-11/07/2022 <br> Open-Right To Choose Attorney or Attorney Preference Not In File - Due Diligence Vendor-11/03/2022 |  | Resolved-Right To Choose Attorney or Attorney Preference Resolved or Not Applicable - Purchase agreement reflects borrower attorney as not the same as lender attorney, disclosure not required. - Due Diligence Vendor-11/11/2022 | Qualifying FICO score is at least 20 points above minimum for program - - FICO 729 exceeds minimum 660.<br>LTV is less than guideline maximum - -75% LTV less than max allowed 85%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776650 | xxxxxx D B A | Closed | xxxxxx | 2022-11-04 08:30 | 2022-11-04 08:30 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Extension agreement to xxxxxx is not executed.<br> Client waiver applied to non-material finding - Due Diligence Vendor-11/04/2022 |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Extension agreement to xxxxxx is not executed.<br> Client waiver applied to non-material finding - Due Diligence Vendor-11/04/2022 | Qualifying FICO score is at least 20 points above minimum for program - - FICO 729 exceeds minimum 660.<br> LTV is less than guideline maximum - -75% LTV less than max allowed 85%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776657 | xxxxxx B A | Closed | xxxxxx | 2022-08-22 13:16 | 2022-08-31 08:58 | Waived | 2 - Non-Material B | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Waived-All Interested Parties Not Checked with Exclusionary Lists - borrow/seller are present- missing all the 3rd parties. Client waiver applied to non-material finding<br> - Due Diligence Vendor-08/31/2022 |  | Waived-All Interested Parties Not Checked with Exclusionary Lists - borrow/seller are present- missing all the 3rd parties. Client waiver applied to non-material finding<br> - Due Diligence Vendor-08/31/2022 | Ontime mortgage history exceeds guideline requirement - Subject DTI is 38.99%, max allowable if 49.99%<br> Qualifying DTI below maximum allowed - DTI 38.99% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776657 | xxxxxx B A | Closed | xxxxxx | 2022-08-22 13:16 | 2022-08-31 08:58 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-All Interested Parties Not Checked with Exclusionary Lists - borrow/seller are present- missing all the 3rd parties. Client waiver applied to non-material finding - Due Diligence Vendor-09/19/2025 <br> Open-OFAC Check Not Completed and/or Cleared - borrow/seller are present- missing all the 3rd parties.-Client waiver applied to non-material finding - Due Diligence Vendor-08/31/2022 |  | Waived-All Interested Parties Not Checked with Exclusionary Lists - borrow/seller are present- missing all the 3rd parties. Client waiver applied to non-material finding - Due Diligence Vendor-09/19/2025 | Ontime mortgage history exceeds guideline requirement - Subject DTI is 38.99%, max allowable if 49.99%<br> Qualifying DTI below maximum allowed - DTI 38.99% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776657 | xxxxxx B A | Closed | xxxxxx | 2022-08-23 13:57 | 2022-08-23 17:49 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived--Client waiver applied to non-material finding - Due Diligence Vendor-08/23/2022 <br> Open-Audited Reserves of 5.06 month(s) are less than Guideline Required Reserves of 6 month(s) - Missing additional month of xxxxxx statement which would resolve this issue. Missing 2 months statements - Due Diligence Vendor-08/23/2022 |  | Waived--Client waiver applied to non-material finding - Due Diligence Vendor-08/23/2022 | Ontime mortgage history exceeds guideline requirement - Subject DTI is 38.99%, max allowable if 49.99%<br> Qualifying DTI below maximum allowed - DTI 38.99% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776657 | xxxxxx B A | Closed | xxxxxx | 2022-08-22 13:12 | 2022-08-23 14:07 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - Missing xxxxxx within 10 days of closing. Finding is deemed non-material with a DTI of 38.99%, max allowable is 49.99%. --Client waiver applied to non-material finding - Due Diligence Vendor-08/22/2022 |  | Waived-Borrower 1 Gap Credit Report is Missing - Missing xxxxxx within 10 days of closing. Finding is deemed non-material with a DTI of 38.99%, max allowable is 49.99%. --Client waiver applied to non-material finding - Due Diligence Vendor-08/22/2022 | Ontime mortgage history exceeds guideline requirement - Subject DTI is 38.99%, max allowable if 49.99%<br> Qualifying DTI below maximum allowed - DTI 38.99% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776666 | xxxxxx B A | Closed | xxxxxx | 2022-08-30 14:38 | 2022-08-31 13:27 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Soft credit report is missing -27% DTI, therefore, considered non material. Client waiver applied to non-material finding - Due Diligence Vendor-08/31/2022 |  | Waived-Borrower 1 Soft credit report is missing -27% DTI, therefore, considered non material. Client waiver applied to non-material finding - Due Diligence Vendor-08/31/2022 | Qualifying FICO score is at least 20 points above minimum for program - Fico score of 781 exceeds the guideline minimum of 660<br> Qualifying DTI below maximum allowed - DTI of 27.76% less than the program maximum of 49.99%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776666 | xxxxxx B A | Closed | xxxxxx | 2022-08-30 13:59 | 2022-08-31 10:45 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Effective with the disbursement date. Loan disbursed xxxxxx, considered non material. Client waiver applied to non-material finding - Due Diligence Vendor-08/30/2022 |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Effective with the disbursement date. Loan disbursed xxxxxx, considered non material. Client waiver applied to non-material finding - Due Diligence Vendor-08/30/2022 | Qualifying FICO score is at least 20 points above minimum for program - Fico score of 781 exceeds the guideline minimum of 660<br> Qualifying DTI below maximum allowed - DTI of 27.76% less than the program maximum of 49.99%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776666 | xxxxxx B A | Closed | xxxxxx | 2022-08-30 14:09 | 2022-08-31 10:45 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Waived-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - no lender income calculation or detail provided. WVOE loan, considered non material - Due Diligence Vendor-08/30/2022 |  | Waived-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - no lender income calculation or detail provided. WVOE loan, considered non material - Due Diligence Vendor-08/30/2022 | Qualifying FICO score is at least 20 points above minimum for program - Fico score of 781 exceeds the guideline minimum of 660<br> Qualifying DTI below maximum allowed - DTI of 27.76% less than the program maximum of 49.99%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776671 | xxxxxx D B A | Closed | xxxxxx | 2022-08-31 12:36 | 2025-09-17 17:39 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Received executed lease - Due Diligence Vendor-10/14/2022 <br> Counter--Received LOE regarding xxxxxx deposits. Received 1007 for xxxxxx showing market rent of $2300 however, to utilized rental income, file must have a Fully Executed Lease per guidelines 10.9.1 which is not present. With a fully executed lease with monthly rent of $2300 x 75% = $1725 - $2232.03 PITIA = Negative rent of (507.03). This will calculate a DTI of 50.21%. Without fully executed Lease DTI will remain at 61.85% - Due Diligence Vendor-10/13/2022 <br> Open-ATR: The Lender did not document all ATR Factors -(1) Missing mortgage statement for xxxxxx or final CD from cash out refi to verify full PITI(A) payment (2) DTI of 61.85% exceeds max allowable of 49.99% - Due Diligence Vendor-09/08/2022 |  | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Received executed lease - Due Diligence Vendor-10/14/2022 | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 799 exceeds the guideline minimum of 700.<br> Months Reserves exceed minimum required - Available reserves of 19 months exceed the guideline minimum of 8 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776671 | xxxxxx D B A | Closed | xxxxxx | 2022-09-08 12:29 | 2022-10-17 16:18 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved--Received LOX form borrower that non-borrowing title holder is fiance, that they currently live together and will continue to do so. - Due Diligence Vendor-10/17/2022 <br> Open--Title reflects vesting as Borrower with 75% interest and non-occupying individual with a 25% vested interest. Shared equity is not allowed per guidelines. - Due Diligence Vendor-09/08/2022 |  | Resolved--Received LOX form borrower that non-borrowing title holder is fiance, that they currently live together and will continue to do so. - Due Diligence Vendor-10/17/2022 | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 799 exceeds the guideline minimum of 700.<br> Months Reserves exceed minimum required - Available reserves of 19 months exceed the guideline minimum of 8 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776671 | xxxxxx D B A | Closed | xxxxxx | 2022-08-31 11:52 | 2022-10-14 12:59 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved--Received executed lease - Due Diligence Vendor-10/14/2022 <br> Counter--Received LOE regarding xxxxxx deposits. Received 1007 for xxxxxx showing market rent of $2300 however, to utilized rental income, file must have a Fully Executed Lease per guidelines 10.9.1 which is not present. With a fully executed lease with monthly rent of $2300 x 75% = $1725 - $2232.03 PITIA = Negative rent of (507.03). This will calculate a DTI of 50.21%. Without fully executed Lease DTI will remain at 61.85% - Due Diligence Vendor-10/13/2022 <br> Counter- - Client response: Please see the attached file for the 1008 and the UW income calculation. Also, for the xxxxxx deposits, his business consists of property management. Please review this and reconsider waiving the condition as it does not have anything to do with our borrower's. <br> - Audit Response: Income: 16,273.25 - Rental income xxxxxx Lease $3800 x 75% = $2850 – PITIA $3821 = ($971); Rental Income xxxxxx ($2401.07) - Total Qualifying Income $16,273.25 – Total monthly Liabilities $10,064.90 = 61.85% DTI - Due Diligence Vendor-10/12/2022 <br> Counter--Client rebuttal: We are not sure what bank transfers are you guys referring to. Also, we are only using 50% of the deposits to take everything into consideration even if it a personal account. Borrower's businesses is a property management business and that is why the bank statements shows xxxxxx income. Please reconsider this<br> --(AUDIT RESPONSE) Originator did not remove transfer deposit from bank statement income calculation. EXAMPLE: Please refer to xxxxxx xxxxxx 03/31/2021. The following deposits must be removed from calculation 03/23/21 Transfer $2000, 03/26/21 Transfer $2000, 03/31/21 Transfer $2000. This same issue refers to xxxxxx statements 04/2021, 05/2021 and 12/2021 has 2 xxxxxx deposits. Audit Bask statement income is $16,273.25. - Rental income xxxxxx Lease $3800 x 75% = $2850 – PITIA $3821 = ($971); Rental Income xxxxxx ($2401.07) - Total Qualifying Income $16,273.25 – Total monthly Liabilities $10,064.90 = 61.85% DTI - Due Diligence Vendor-09/23/2022 <br> Open-Income and Employment Do Not Meet Guidelines -(1) Missing mortgage statement for xxxxxx or final CD from recent cash-out refinance (2) Audit calculated monthly income of $16,273.25, origination calculated $17,376.45. Difference is in removed transfer deposits. Additionally, borrower received credit on bank statements for xxxxxx, assumably for xxxxxx, in addition to rental income for this property. Cannot use the same income twice. Provide LOE or documentation to support non removal of transfer deposits. Either xxxxxx deposit are to be removed from the bank statements and a 12 month xxxxxx rental receipt history is to be provided to calculate rental income OR deposits to be used and borrower hit with full PITIA payment, the later was used in this underwriting analysis. - Due Diligence Vendor-09/08/2022 |  | Resolved--Received executed lease - Due Diligence Vendor-10/14/2022 | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 799 exceeds the guideline minimum of 700.<br> Months Reserves exceed minimum required - Available reserves of 19 months exceed the guideline minimum of 8 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776671 | xxxxxx D B A | Closed | xxxxxx | 2022-08-31 12:53 | 2022-10-14 12:57 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved--Received fully executed lease of $2700 monthly - Due Diligence Vendor-10/14/2022 <br> Counter--Received LOE regarding xxxxxx deposits. Received 1007 for xxxxxx showing market rent of $2300 however, to utilized rental income, file must have a Fully Executed Lease per guidelines 10.9.1 which is not present. With a fully executed lease with monthly rent of $2300 x 75% = $1725 - $2232.03 PITIA = Negative rent of (507.03). This will calculate a DTI of 50.21%. Without fully executed Lease DTI will remain at 61.85% - Due Diligence Vendor-10/13/2022 <br> Open-Audited DTI of 61.85% exceeds Guideline DTI of 49.99% - Audit DTI is 61.85% which exceeds the allowbale 49.99% max. - Audit calculated monthly income of $16,273.25, origination calculated $17,376.45. Difference is in removed transfer deposits. Additionally, borrower received credit on bank statements for xxxxxx, assumably for xxxxxx, in addition to rental income for this property. Cannot use the same income twice. Provide LOE or documentation to support non removal of transfer deposits. Either xxxxxx deposit are to be removed from the bank statements and a 12 month xxxxxx rental receipt history is to be provided to calculate rental income OR deposits to be used and borrower hit with full PITIA payment, the later was used in this underwriting analysis. - Due Diligence Vendor-09/08/2022 |  | Resolved--Received fully executed lease of $2700 monthly - Due Diligence Vendor-10/14/2022 | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 799 exceeds the guideline minimum of 700.<br> Months Reserves exceed minimum required - Available reserves of 19 months exceed the guideline minimum of 8 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776671 | xxxxxx D B A | Closed | xxxxxx | 2022-08-31 12:09 | 2022-09-30 11:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved--GAP report provided. - Due Diligence Vendor-09/30/2022 <br> Open-Borrower 1 Gap Credit Report is Missing - Missing pre-close xxxxxx credit report. Finding is deemed material as DTI is 61.85% - Due Diligence Vendor-09/08/2022 |  | Resolved--GAP report provided. - Due Diligence Vendor-09/30/2022 | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 799 exceeds the guideline minimum of 700.<br>Months Reserves exceed minimum required - Available reserves of 19 months exceed the guideline minimum of 8 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776671 | xxxxxx D B A | Closed | xxxxxx | 2022-08-31 12:09 | 2022-09-30 11:42 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved--Received rent-free housing letter - Due Diligence Vendor-09/19/2022 <br> Open-Housing History Does Not Meet Guideline Requirements - insufficient housing history to verify 12 months. Only 4 month history is on the credit report for the retained property. No housing history for the REO. A VOR for the xxxxxx property would resolve this issue. - Due Diligence Vendor-08/31/2022 |  | Resolved--Received rent-free housing letter - Due Diligence Vendor-09/19/2022 | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 799 exceeds the guideline minimum of 700.<br>Months Reserves exceed minimum required - Available reserves of 19 months exceed the guideline minimum of 8 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776671 | xxxxxx D B A | Closed | xxxxxx | 2022-09-19 10:59 | 2022-09-23 12:22 | Resolved | 1 - Information A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved--Received management approval letter - Due Diligence Vendor-09/23/2022 <br> Open--NEW - Missing management approval as xxxxxx score is 913 - Due Diligence Vendor-09/19/2022 |  | Resolved--Received management approval letter - Due Diligence Vendor-09/23/2022 | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 799 exceeds the guideline minimum of 700.<br>Months Reserves exceed minimum required - Available reserves of 19 months exceed the guideline minimum of 8 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776671 | xxxxxx D B A | Closed | xxxxxx | 2022-09-08 11:46 | 2022-09-23 12:21 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved--Received xxxxxx Alerts summary showing cleared - Due Diligence Vendor-09/19/2022 <br> Open-Fraud Report Shows Uncleared Alerts - Provide updated fraud report with cleared alerts. Additionally, missing management approval as xxxxxx score is 913 - Due Diligence Vendor-09/08/2022 |  | Resolved--Received xxxxxx Alerts summary showing cleared - Due Diligence Vendor-09/19/2022 | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 799 exceeds the guideline minimum of 700.<br>Months Reserves exceed minimum required - Available reserves of 19 months exceed the guideline minimum of 8 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776671 | xxxxxx D B A | Closed | xxxxxx | 2022-08-19 12:28 | 2022-09-19 11:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Client provided Seller disclosure dates xxxxxx - Due Diligence Vendor-09/19/2022 <br> Open-Missing Seller's CD. Statute of Limitations - one year. - Due Diligence Vendor-08/19/2022 |  | Resolved-Client provided Seller disclosure dates xxxxxx - Due Diligence Vendor-09/19/2022 | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 799 exceeds the guideline minimum of 700.<br>Months Reserves exceed minimum required - Available reserves of 19 months exceed the guideline minimum of 8 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776671 | xxxxxx D B A | Closed | xxxxxx | 2022-08-31 12:31 | 2022-09-19 10:57 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Asset Qualification Meets Guideline Requirements - Received final CD with assets disclosed - Due Diligence Vendor-09/19/2022 <br> Open-Asset Qualification Does Not Meet Guideline Requirements - Missing verification of the refinance funds for the xxxxxx property. Please provide an executed final CD or closing statement. - Due Diligence Vendor-09/08/2022 |  | Resolved-Asset Qualification Meets Guideline Requirements - Received final CD with assets disclosed - Due Diligence Vendor-09/19/2022 | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 799 exceeds the guideline minimum of 700.<br>Months Reserves exceed minimum required - Available reserves of 19 months exceed the guideline minimum of 8 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776671 | xxxxxx D B A | Closed | xxxxxx | 2022-08-31 12:50 | 2022-09-08 14:49 | Waived | 2 - Non-Material C B | Credit | Assets | Asset 5 Less Than 2 Months Verified | Waived--Client waiver applied to non-material finding - Due Diligence Vendor-09/08/2022 <br> Open-Asset 5 Less Than 2 Months Verified - Missing second month of the bank statement for the xxxxxx account. - Due Diligence Vendor-09/08/2022 |  | Waived--Client waiver applied to non-material finding - Due Diligence Vendor-09/08/2022 | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 799 exceeds the guideline minimum of 700.<br>Months Reserves exceed minimum required - Available reserves of 19 months exceed the guideline minimum of 8 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776671 | xxxxxx D B A | Closed | xxxxxx | 2022-09-08 11:46 | 2022-09-08 12:26 | Waived | 2 - Non-Material B | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Waived-All Interested Parties Not Checked with Exclusionary Lists - Guidelines require all parties involved are checked with OFAC and LDP/GSA exclusionary list. --Borrower and seller are listed, finding deemed non-material. --Client waiver applied to non-material finding - Due Diligence Vendor-09/08/2022 |  | Waived-All Interested Parties Not Checked with Exclusionary Lists - Guidelines require all parties involved are checked with OFAC and LDP/GSA exclusionary list. --Borrower and seller are listed, finding deemed non-material. --Client waiver applied to non-material finding - Due Diligence Vendor-09/08/2022 | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 799 exceeds the guideline minimum of 700.<br>Months Reserves exceed minimum required - Available reserves of 19 months exceed the guideline minimum of 8 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776671 | xxxxxx D B A | Closed | xxxxxx | 2022-08-31 10:32 | 2022-09-08 12:23 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - no evidence of hazard insurance in effect on the CD date. Disbursement date xxxxxx. --Client waiver applied to non-material finding - Due Diligence Vendor-08/31/2022 |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - no evidence of hazard insurance in effect on the CD date. Disbursement date xxxxxx --Client waiver applied to non-material finding - Due Diligence Vendor-08/31/2022 | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 799 exceeds the guideline minimum of 700.<br>Months Reserves exceed minimum required - Available reserves of 19 months exceed the guideline minimum of 8 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776671 | xxxxxx D B A | Closed | xxxxxx | 2022-08-31 10:21 | 2022-09-08 12:22 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Client waiver applied to non-material finding - Due Diligence Vendor-09/08/2022 |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Client waiver applied to non-material finding - Due Diligence Vendor-09/08/2022 | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 799 exceeds the guideline minimum of 700.<br>Months Reserves exceed minimum required - Available reserves of 19 months exceed the guideline minimum of 8 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776686 | xxxxxx D B A | Closed | xxxxxx | 2022-08-30 12:30 | 2022-09-12 17:34 | Waived | 2 - Non-Material C B | Credit | Insurance | Subject Property Address on Note does not match Insured Property Address | Waived--Deemed non-material as APN # associated to property confirms Unit xxxxxx. - Due Diligence Vendor-09/12/2022 <br> Counter--Client rebuttal: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - DTI <= 36% which is below requirement in guidelines / Compensating Factor 2 - Credit Score 30+ points > minimum required / Compensating Factor 3 - Residual income more than 2.5x the amount required by guidelines<br> -(Response) Unsure how this exception request applies to the Legal address. Legal address includes the Unit or Apt xxxxxx. The Note, Mortgage, Flood cert and Master Insurance must all reflect the Unit/Apt # as it is part of the legal description. Finding remains - Due Diligence Vendor-09/09/2022 <br> Open-Subject Property on Note does not match Insured Property Address - Note, Flood Cert and Master insurance policy do not reflect the Unit number as per legal description. - Due Diligence Vendor-08/31/2022 |  | Waived--Deemed non-material as APN # associated to property confirms Unit xxxxxx. - Due Diligence Vendor-09/12/2022 | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 112 points above minimum required.<br>Qualifying DTI below maximum allowed - - Qualifying DTI is 17% below max allowed. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776686 | xxxxxx D B A | Closed | xxxxxx | 2022-08-30 13:22 | 2022-09-09 14:31 | Resolved | 1 - Information D A | Property | Missing Doc | Missing HOA/Condo Certification | Resolved--Received Condo Questionnaire - Due Diligence Vendor-09/09/2022 <br> Open--Condo Questionnaire is missing. - Due Diligence Vendor-08/30/2022 |  | Resolved--Received Condo Questionnaire - Due Diligence Vendor-09/09/2022 | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 112 points above minimum required.<br>Qualifying DTI below maximum allowed - - Qualifying DTI is 17% below max allowed. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776686 | xxxxxx D B A | Closed | xxxxxx | 2022-08-30 11:49 | 2022-09-09 14:18 | Resolved | 1 - Information D A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-09/09/2022 <br> Open-The Deed of Trust is Incomplete - Missing Legal Description (Exhibit A) attachment to DOT. - Due Diligence Vendor-08/30/2022 |  | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-09/09/2022 | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 112 points above minimum required.<br>Qualifying DTI below maximum allowed - - Qualifying DTI is 17% below max allowed. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776686 | xxxxxx D B A | Closed | xxxxxx | 2022-08-30 13:11 | 2022-09-02 11:49 | Waived | 2 - Non-Material C B | Credit | Assets | Asset 4 Less Than 2 Months Verified | Waived-Client waiver applied to non-material finding - Due Diligence Vendor-09/02/2022 <br> Open-Asset 4 Less Than 2 Months Verified - Two months required for xxxxxx and only one month in file - Due Diligence Vendor-08/30/2022 |  | Waived-Client waiver applied to non-material finding - Due Diligence Vendor-09/02/2022 | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 112 points above minimum required.<br>Qualifying DTI below maximum allowed - - Qualifying DTI is 17% below max allowed. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776686 | xxxxxx D B A | Closed | xxxxxx | 2022-08-30 13:11 | 2022-09-02 11:49 | Waived | 2 - Non-Material C B | Credit | Assets | Asset 3 Less Than 2 Months Verified | Waived-Client waiver applied to non-material finding - Due Diligence Vendor-09/02/2022 <br> Open-Asset 3 Less Than 2 Months Verified - Two months required for xxxxxx and only one month in file - Due Diligence Vendor-08/30/2022 |  | Waived-Client waiver applied to non-material finding - Due Diligence Vendor-09/02/2022 | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 112 points above minimum required.<br>Qualifying DTI below maximum allowed - - Qualifying DTI is 17% below max allowed. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776686 | xxxxxx D B A | Closed | xxxxxx | 2022-08-30 12:30 | 2022-08-31 15:19 | Waived | 2 - Non-Material B | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Waived-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx - Effective prior to signing and disbursement --Client waiver applied to non-material finding - Due Diligence Vendor-08/30/2022 |  | Waived-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx - Effective prior to signing and disbursement --Client waiver applied to non-material finding - Due Diligence Vendor-08/30/2022 | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 112 points above minimum required.<br>Qualifying DTI below maximum allowed - - Qualifying DTI is 17% below max allowed. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776718 | xxxxxx D B A | Closed | xxxxxx | 2022-09-06 11:23 | 2022-09-19 11:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Non-Arm's Length Transactions Not Allowed for Program | Waived--Client rebuttal: Please find attached and waive the condition. This is TVOE, Purchase. Non-Arm's Length Transaction is allowed per a guide. --Agree, transaction is allowed per guidelines. --Client waiver applied to non-material finding<br> - Due Diligence Vendor-09/19/2022 <br> Open-Non-Arm's Length Transactions Not Allowed for Program - The transaction is between sisters. The guidelines require a reasonable explanation of the transaction. No explanation letter or underwriter comments regarding the transaction was located in the file. - Due Diligence Vendor-09/08/2022 |  | Waived--Client rebuttal: Please find attached and waive the condition. This is TVOE, Purchase. Non-Arm's Length Transaction is allowed per a guide. --Agree, transaction is allowed per guidelines. --Client waiver applied to non-material finding<br> - Due Diligence Vendor-09/19/2022 | Additional verified income not used to qualify - The borrower has a second job with the county of xxxxxx that was not used to qualify. <br> Months Reserves exceed minimum required - The borrower has ample reserves. The amount required was 6 months and the borrower has over 40 months documented. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776718 | xxxxxx D B A | Closed | xxxxxx | 2022-09-06 13:35 | 2022-09-15 14:47 | Resolved | 1 - Information C A | Credit | Assets | Gift Funds General | Resolved--Received post-close CD reflecting full gift of equity for $133,000 - Due Diligence Vendor-09/15/2022 <br> Open--The gift letter in the file indicates a gift from the borrower's sister for $133,000. The file documentation supports a $100,000 gift that is reflected on the final CD. Please provide substantiation for the additional 33,000.00. - Due Diligence Vendor-09/08/2022 |  | Resolved--Received post-close CD reflecting full gift of equity for $133,000 - Due Diligence Vendor-09/15/2022 | Additional verified income not used to qualify - The borrower has a second job with the county of xxxxxx that was not used to qualify. <br> Months Reserves exceed minimum required - The borrower has ample reserves. The amount required was 6 months and the borrower has over 40 months documented. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776718 | xxxxxx D B A | Closed | xxxxxx | 2022-09-06 12:50 | 2022-09-08 19:14 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived--Client waiver applied to non-material finding.<br> - Deemed non-material, borrower has 40 months reserves, low credit utilization and residual income of $5,734. - Due Diligence Vendor-09/08/2022 <br> Open-Audited DTI of 50.25% exceeds Guideline DTI of 49.99% - The DTI exceeds the guideline maximum due to a $31 discrepancy in consumer debt. - Due Diligence Vendor-09/08/2022 |  | Waived--Client waiver applied to non-material finding.<br> - Deemed non-material, borrower has 40 months reserves, low credit utilization and residual income of $5,734. - Due Diligence Vendor-09/08/2022 | Additional verified income not used to qualify - The borrower has a second job with the county of xxxxxx that was not used to qualify. <br> Months Reserves exceed minimum required - The borrower has ample reserves. The amount required was 6 months and the borrower has over 40 months documented. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776718 | xxxxxx D B A | Closed | xxxxxx | 2022-09-06 12:00 | 2022-09-08 19:13 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived--Client waiver applied to non-material finding.<br> - Deemed non-material, borrower has 40 months reserves, low credit utilization and residual income of $5,734. - Due Diligence Vendor-09/08/2022 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-09/06/2022 |  | Waived--Client waiver applied to non-material finding.<br> - Deemed non-material, borrower has 40 months reserves, low credit utilization and residual income of $5,734. - Due Diligence Vendor-09/08/2022 | Additional verified income not used to qualify - The borrower has a second job with the county of xxxxxx that was not used to qualify. <br> Months Reserves exceed minimum required - The borrower has ample reserves. The amount required was 6 months and the borrower has over 40 months documented. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776718 | xxxxxx D B A | Closed | xxxxxx | 2022-09-06 11:23 | 2022-09-08 13:40 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - missing purchase contract extension from the initial expiration date of xxxxxx through the closing date of xxxxxx. --Client waiver applied to non-material finding - Due Diligence Vendor-09/06/2022 |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - missing purchase contract extension from the initial expiration date of xxxxxx through the closing date of xxxxxx. --Client waiver applied to non-material finding - Due Diligence Vendor-09/06/2022 | Additional verified income not used to qualify - The borrower has a second job with the county of xxxxxx that was not used to qualify. <br> Months Reserves exceed minimum required - The borrower has ample reserves. The amount required was 6 months and the borrower has over 40 months documented. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776718 | xxxxxx D B A | Closed | xxxxxx | 2022-09-06 12:09 | 2022-09-08 13:38 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. Borrower and Seller have been checked therefore deemed non-material. --Client waiver applied to non-material finding<br> - Due Diligence Vendor-09/06/2022 |  | Waived-OFAC Check Not Completed and/or Cleared - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. Borrower and Seller have been checked therefore deemed non-material. --Client waiver applied to non-material finding<br> - Due Diligence Vendor-09/06/2022 | Additional verified income not used to qualify - The borrower has a second job with the county of xxxxxx that was not used to qualify. <br> Months Reserves exceed minimum required - The borrower has ample reserves. The amount required was 6 months and the borrower has over 40 months documented. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776718 | xxxxxx D B A | Closed | xxxxxx | 2022-09-06 12:43 | 2022-09-08 13:37 | Waived | 2 - Non-Material B | Credit | Assets | Asset 2 Less Than 2 Months Verified | Waived-Asset 2 Less Than 2 Months Verified - File contains only 1 month bank statement for account xxxxxx. Two months are required per guides. --Finding is deemed non-material. - Client waiver applied to non-material finding - Due Diligence Vendor-09/06/2022 |  | Waived-Asset 2 Less Than 2 Months Verified - File contains only 1 month bank statement for account xxxxxx. Two months are required per guides. --Finding is deemed non-material. - Client waiver applied to non-material finding - Due Diligence Vendor-09/06/2022 | Additional verified income not used to qualify - The borrower has a second job with the county of xxxxxx that was not used to qualify. <br> Months Reserves exceed minimum required - The borrower has ample reserves. The amount required was 6 months and the borrower has over 40 months documented. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776718 | xxxxxx D B A | Closed | xxxxxx | 2022-09-06 12:43 | 2022-09-08 13:36 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived-Asset 1 Less Than 2 Months Verified - File contains only 1 month bank statement for account xxxxxx. Two months are required per guides. Finding is deemed non-material as statements provided are most recent to closing date. --Client waiver applied to non-material finding - Due Diligence Vendor-09/06/2022 |  | Waived-Asset 1 Less Than 2 Months Verified - File contains only 1 month bank statement for account xxxxxx. Two months are required per guides. Finding is deemed non-material as statements provided are most recent to closing date. --Client waiver applied to non-material finding - Due Diligence Vendor-09/06/2022 | Additional verified income not used to qualify - The borrower has a second job with the county of xxxxxx that was not used to qualify. <br> Months Reserves exceed minimum required - The borrower has ample reserves. The amount required was 6 months and the borrower has over 40 months documented. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776718 | xxxxxx D B A | Closed | xxxxxx | 2022-08-29 10:51 | 2022-08-29 11:31 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material finding - Due Diligence Vendor-08/29/2022 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material finding - Due Diligence Vendor-08/29/2022 | Additional verified income not used to qualify - The borrower has a second job with the county of xxxxxx that was not used to qualify. <br> Months Reserves exceed minimum required - The borrower has ample reserves. The amount required was 6 months and the borrower has over 40 months documented. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776719 | xxxxxx B A | Closed | xxxxxx | 2022-09-01 12:26 | 2022-09-01 14:56 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - xxxxxx credit report . DTI 45%, therefore, considered non material. Client waiver applied to non-material finding - Due Diligence Vendor-09/01/2022 |  | Waived-Borrower 1 Gap Credit Report is Missing - xxxxxx credit report . DTI 45%, therefore, considered non material. Client waiver applied to non-material finding - Due Diligence Vendor-09/01/2022 | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 807 is 147 points higher than required 660.<br> LTV is less than guideline maximum - - LTV 75% is 5% less than maximum 80% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776719 | xxxxxx B A | Closed | xxxxxx | 2022-09-01 12:44 | 2022-09-01 14:54 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 4.81 month(s) are less than Guideline Required Reserves of 6 month(s) - Reserves are short by 1.19 months, Client waiver applied to non-material finding<br> - Due Diligence Vendor-09/01/2022 |  | Waived-Audited Reserves of 4.81 month(s) are less than Guideline Required Reserves of 6 month(s) - Reserves are short by 1.19 months, Client waiver applied to non-material finding<br> - Due Diligence Vendor-09/01/2022 | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 807 is 147 points higher than required 660.<br>LTV is less than guideline maximum - - LTV 75% is 5% less than maximum 80% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776719 | xxxxxx B A | Closed | xxxxxx | 2022-09-01 12:26 | 2022-09-01 14:49 | Waived | 2 - Non-Material B | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. Client waiver applied to non-material finding<br>- Due Diligence Vendor-09/01/2022 |  | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. Client waiver applied to non-material finding<br>- Due Diligence Vendor-09/01/2022 | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 807 is 147 points higher than required 660.<br>LTV is less than guideline maximum - - LTV 75% is 5% less than maximum 80% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776741 | xxxxxx D B A | Closed | xxxxxx | 2022-09-01 10:59 | 2022-09-15 16:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower Citizenship Documentation Provided or Not Required - Due Diligence Vendor-09/15/2022 <br> Open-Borrower Citizenship Documentation Is Missing - Missing copy of expired permanent resident card to go with I-797 form provided. - Due Diligence Vendor-09/08/2022 |  | Resolved-Borrower Citizenship Documentation Provided or Not Required - Due Diligence Vendor-09/15/2022 | Qualifying FICO score is at least 20 points above minimum for program - Minimum score required 700, borrower score 797.<br>Months Reserves exceed minimum required - Six months reserves required, borrower has 12 months reserves. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776741 | xxxxxx D B A | Closed | xxxxxx | 2022-09-08 12:01 | 2022-09-08 19:39 | Waived | 2 - Non-Material C B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived--Client waiver applied to non-material finding - Due Diligence Vendor-09/08/2022 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Due Diligence Vendor-09/08/2022 |  | Waived--Client waiver applied to non-material finding - Due Diligence Vendor-09/08/2022 | Qualifying FICO score is at least 20 points above minimum for program - Minimum score required 700, borrower score 797.<br>Months Reserves exceed minimum required - Six months reserves required, borrower has 12 months reserves. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776741 | xxxxxx D B A | Closed | xxxxxx | 2022-09-08 12:44 | 2022-09-08 16:53 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - Missing xxxxxx pre-close credit report. DTI of 38% is less than the 49.99% allowed by guidelines with a 797 mid FICO. - Client waiver applied to non-material finding - Due Diligence Vendor-09/08/2022 |  | Waived-Borrower 1 Gap Credit Report is Missing - Missing xxxxxx pre-close credit report. DTI of 38% is less than the 49.99% allowed by guidelines with a 797 mid FICO. - Client waiver applied to non-material finding - Due Diligence Vendor-09/08/2022 | Qualifying FICO score is at least 20 points above minimum for program - Minimum score required 700, borrower score 797.<br>Months Reserves exceed minimum required - Six months reserves required, borrower has 12 months reserves. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776741 | xxxxxx D B A | Closed | xxxxxx | 2022-09-08 16:34 | 2022-09-08 16:52 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - Guidelines require all parties/companies are checked with OFAC/LDP/GSA. Borrower and Seller are clear, therefore deemed non-material. --Client waiver applied to non-material finding - Due Diligence Vendor-09/08/2022 |  | Waived-OFAC Check Not Completed and/or Cleared - Guidelines require all parties/companies are checked with OFAC/LDP/GSA. Borrower and Seller are clear, therefore deemed non-material. --Client waiver applied to non-material finding - Due Diligence Vendor-09/08/2022 | Qualifying FICO score is at least 20 points above minimum for program - Minimum score required 700, borrower score 797.<br>Months Reserves exceed minimum required - Six months reserves required, borrower has 12 months reserves. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776741 | xxxxxx D B A | Closed | xxxxxx | 2022-09-01 11:03 | 2022-09-02 09:35 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Missing affiliated business disclosure, Client waiver applied to non-material finding. - Due Diligence Vendor-09/19/2025 |  | Waived-Missing affiliated business disclosure, Client waiver applied to non-material finding. - Due Diligence Vendor-09/19/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum score required 700, borrower score 797.<br>Months Reserves exceed minimum required - Six months reserves required, borrower has 12 months reserves. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776777 | xxxxxx D B A | Closed | xxxxxx | 2025-09-22 15:04 | 2025-09-22 15:05 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived--Client exception granted to allow for waiver of C4 as client guidelines allow for C4. Waiver applied to non-material finding. - Due Diligence Vendor-09/22/2025 <br> Open-Primary Value Valuation Property Condition Rating Does Not Meet Program Requirements - Property is C4 - appraiser used comps that varied from C2, C3 to C4. Appraisal is missing detailed narrative from appraiser regarding the subject property market acceptance as required by seller guidelines. - Due Diligence Vendor-09/22/2025 |  | Waived--Client exception granted to allow for waiver of C4 as client guidelines allow for C4. Waiver applied to non-material finding. - Due Diligence Vendor-09/22/2025 | Qualifying DTI below maximum allowed - - Calculated DTI of 25.82% is below max allowable of 43%<br>Qualifying FICO score is at least 20 points above minimum for program - 795 FICO exceeds guideline minimum of 700. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776777 | xxxxxx D B A | Closed | xxxxxx | 2022-08-30 08:07 | 2025-09-17 17:47 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-Updated 1003 and 1008 provided reflecting xxxxxx income removed. - Due Diligence Vendor-09/26/2022 <br> Counter--Client rebuttal: xxxxxx is not being used and this is why no statements are being provided. Please clear condition<br> -(RESPONSE) xxxxxx is being used for income, therefore statements are required. Finding remains - Due Diligence Vendor-09/22/2022 <br> Counter--Remaining open due to missing terms of xxxxxx withdrawal and 3 months statements for xxxxxx account. All other items noted in original finding commentary have been resolved or waived. - Due Diligence Vendor-09/20/2022 <br> Open-ATR: The Lender did not document all ATR Factors -(1) Missing 3 months statements for xxxxxx account used for Asset Utilization income (2) Missing HOA statements for all properties or evidence not required (3) Missing the terms of withdrawal, per guideline requirements, for xxxxxx and xxxxxx accounts used for Asset Utilization (4) Missing GAP credit report - Due Diligence Vendor-08/30/2022 |  | Resolved-Updated 1003 and 1008 provided reflecting xxxxxx income removed. - Due Diligence Vendor-09/26/2022 | Qualifying DTI below maximum allowed - - Calculated DTI of 25.82% is below max allowable of 43%<br>Qualifying FICO score is at least 20 points above minimum for program - 795 FICO exceeds guideline minimum of 700. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776777 | xxxxxx D B A | Closed | xxxxxx | 2022-08-26 13:40 | 2025-09-17 17:45 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved--Received contract addendum with correct sales price - Due Diligence Vendor-09/13/2022 <br> Open--Missing contract addendum for subject property modifying sale price of xxxxxx as CD indicates - Due Diligence Vendor-08/30/2022 |  | Resolved--Received contract addendum with correct sales price - Due Diligence Vendor-09/13/2022 | Qualifying DTI below maximum allowed - - Calculated DTI of 25.82% is below max allowable of 43%<br>Qualifying FICO score is at least 20 points above minimum for program - 795 FICO exceeds guideline minimum of 700. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776777 | xxxxxx D B A | Closed | xxxxxx | 2022-08-26 12:26 | 2022-09-26 17:37 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved--Updated 1008 and 1003 provided reflecting xxxxxx income removed. - Due Diligence Vendor-09/26/2022 <br> Counter--Client rebuttal: xxxxxx is not being used and this is why no statements are being provided. Please clear condition<br> -(RESPONSE) xxxxxx is being used for income, therefore statements are required. Finding remains - Due Diligence Vendor-09/22/2022 <br> Counter--Received term of withdrawal for xxxxxx. Missing terms of withdrawal for xxxxxx and 3 months statements for xxxxxx - Due Diligence Vendor-09/19/2022 <br> Open--Missing the terms of withdrawal, per guideline requirements, for xxxxxx and xxxxxx accounts used for Asset Utilization. Missing 3 months statements for xxxxxx account used for Asset Utilization income - Due Diligence Vendor-08/30/2022 |  | Resolved--Updated 1008 and 1003 provided reflecting xxxxxx income removed. - Due Diligence Vendor-09/26/2022 | Qualifying DTI below maximum allowed - - Calculated DTI of 25.82% is below max allowable of 43%<br>Qualifying FICO score is at least 20 points above minimum for program - 795 FICO exceeds guideline minimum of 700. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776777 | xxxxxx D B A | Closed | xxxxxx | 2022-08-30 17:30 | 2022-09-19 22:30 | Resolved | 1 - Information A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved--Received evidence of no HOA for xxxxxx - Due Diligence Vendor-09/20/2022 <br> Counter--Received evidence of no HOA for xxxxxx, Missing HOA statement or evidence not required for xxxxxx. - Due Diligence Vendor-09/09/2022 <br> Open--Missing HOA statements for all properties or evidence not required - Due Diligence Vendor-08/30/2022 |  | Resolved--Received evidence of no HOA for xxxxxx - Due Diligence Vendor-09/20/2022 | Qualifying DTI below maximum allowed - - Calculated DTI of 25.82% is below max allowable of 43%<br>Qualifying FICO score is at least 20 points above minimum for program - 795 FICO exceeds guideline minimum of 700. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776777 | xxxxxx D B A | Closed | xxxxxx | 2022-08-30 08:42 | 2022-09-15 17:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing final HUD-1 from sale of non-subject property | Resolved--Rec'd signed Final Seller CD for sale of departure residence. - Due Diligence Vendor-09/15/2022 <br> Open--Missing final Seller CD for departing property xxxxxx or confirmation that any financing contingencies have been cleared in order to eliminate PITIA from DTI calculation. Additional Findings may apply. - Due Diligence Vendor-08/30/2022 |  | Resolved--Rec'd signed Final Seller CD for sale of departure residence. - Due Diligence Vendor-09/15/2022 | Qualifying DTI below maximum allowed - - Calculated DTI of 25.82% is below max allowable of 43%<br>Qualifying FICO score is at least 20 points above minimum for program - 795 FICO exceeds guideline minimum of 700. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776777 | xxxxxx D B A | Closed | xxxxxx | 2022-08-30 08:31 | 2022-09-15 17:41 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved--Rec'd signed Final Seller CD for sale of departure residence netting xxxxxx cash to borrower. - Due Diligence Vendor-09/15/2022 <br> Open-Asset Qualification Does Not Meet Guideline Requirements - Missing source of large deposit of xxxxxx in xxxxxx on 05/03/22 - Due Diligence Vendor-08/30/2022 |  | Resolved--Rec'd signed Final Seller CD for sale of departure residence netting xxxxxx cash to borrower. - Due Diligence Vendor-09/15/2022 | Qualifying DTI below maximum allowed - - Calculated DTI of 25.82% is below max allowable of 43%<br>Qualifying FICO score is at least 20 points above minimum for program - 795 FICO exceeds guideline minimum of 700. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 776777 | xxxxxx D B A | Closed | xxxxxx | 2022-08-26 12:42 | 2022-08-30 08:29 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - Missing GAP credit report. Finding is deemed non-material as calculated DTI is 25.82%, max allowable is 43% --Client waiver applied to non-material finding - Due Diligence Vendor-08/30/2022 |  | Waived-Borrower 1 Gap Credit Report is Missing - Missing GAP credit report. Finding is deemed non-material as calculated DTI is 25.82%, max allowable is 43% --Client waiver applied to non-material finding - Due Diligence Vendor-08/30/2022 | Qualifying DTI below maximum allowed - - Calculated DTI of 25.82% is below max allowable of 43%<br>Qualifying FICO score is at least 20 points above minimum for program - 795 FICO exceeds guideline minimum of 700. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776777 | xxxxxx D B A | Closed | xxxxxx | 2022-08-26 10:15 | 2022-08-30 08:25 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Missing extension or addendum to purchase agreement extending closing date --Client waiver applied to non-material finding - Due Diligence Vendor-08/30/2022 |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Missing extension or addendum to purchase agreement extending closing date --Client waiver applied to non-material finding - Due Diligence Vendor-08/30/2022 | Qualifying DTI below maximum allowed - - Calculated DTI of 25.82% is below max allowable of 43%<br>Qualifying FICO score is at least 20 points above minimum for program - 795 FICO exceeds guideline minimum of 700. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776777 | xxxxxx D B A | Closed | xxxxxx | 2022-08-23 13:24 | 2022-08-23 14:21 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material finding - Due Diligence Vendor-08/23/2022 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material finding - Due Diligence Vendor-08/23/2022 | Qualifying DTI below maximum allowed - - Calculated DTI of 25.82% is below max allowable of 43%<br>Qualifying FICO score is at least 20 points above minimum for program - 795 FICO exceeds guideline minimum of 700. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776782 | xxxxxx C B A | Closed | xxxxxx | 2022-08-24 15:36 | 2022-11-02 10:48 | Waived | 2 - Non-Material B | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Waived-The Business Purpose Affidavit Disclosure is Missing - Purchase of an investment property - Client waiver applied to non-material finding - Due Diligence Vendor-09/20/2025 |  | Waived-The Business Purpose Affidavit Disclosure is Missing - Purchase of an investment property - Client waiver applied to non-material finding - Due Diligence Vendor-09/20/2025 | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 770 is 50 points higher than required 720<br>Months Reserves exceed minimum required - - Verified 24.39 months reserves are 10.39 months greater than required 14 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776782 | xxxxxx C B A | Closed | xxxxxx | 2022-08-24 15:56 | 2022-11-02 09:01 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Received corrected Title and Mortgage - Due Diligence Vendor-11/02/2022 <br> Counter--Received Title with updated Vesting. Mortgage, page 1, reflects Borrower as xxxxxx however, borrower signed as individual xxxxxx therefore, page 1 of Mortgage must reflect Borrower as xxxxxx. Title vesting must match Mortgage as xxxxxx. Provide correct Mortgage and Title. Additional Findings may apply upon receipt and review. - Due Diligence Vendor-10/06/2022 <br> Open-Property Title Issue - Borrower signed Note and Mortgage as Individual. Title Proposed Insured is xxxxxx. Title to be corrected to show proposed as xxxxxx who is 100% owner of xxxxxx. - Due Diligence Vendor-08/24/2022 |  | Resolved-Property Title Issue Resolved - Received corrected Title and Mortgage - Due Diligence Vendor-11/02/2022 | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 770 is 50 points higher than required 720<br>Months Reserves exceed minimum required - - Verified 24.39 months reserves are 10.39 months greater than required 14 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 776782 | xxxxxx C B A | Closed | xxxxxx | 2022-10-13 15:28 | 2022-10-13 15:29 | Resolved | 1 - Information A | Property | Property Issue | FEMA declared disaster after the note date and appraisal date | Resolved-A PDI was received which reports no damage - Due Diligence Vendor-10/13/2022 <br> Open-FEMA Disaster declared in xxxxxx due to xxxxxx. Individual assistance. A Post Disaster Inspection has been ordered - Due Diligence Vendor-10/13/2022 |  | Resolved-A PDI was received which reports no damage - Due Diligence Vendor-10/13/2022 | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 770 is 50 points higher than required 720<br>Months Reserves exceed minimum required - - Verified 24.39 months reserves are 10.39 months greater than required 14 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 776782 | xxxxxx C B A | Closed | xxxxxx | 2022-08-24 16:30 | 2022-08-25 08:03 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Client waiver applied to non-material finding - Due Diligence Vendor-08/25/2022 |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Client waiver applied to non-material finding - Due Diligence Vendor-08/25/2022 | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 770 is 50 points higher than required 720<br>Months Reserves exceed minimum required - - Verified 24.39 months reserves are 10.39 months greater than required 14 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 776788 | xxxxxx D B A | Closed | xxxxxx | 2022-08-26 15:13 | 2022-09-09 11:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Payment History | Resolved--Received evidence of 07/01/2022 payment made. - Due Diligence Vendor-09/09/2022 <br> Open-- Missing evidence of 7/1/22 payment.<br> - Borrower signed up for ACH on xxxxxx, loan is current with no payments reflected on payment history. Collections verifies payments made on 10th of each month. - Due Diligence Vendor-08/26/2022 |  | Resolved--Received evidence of 07/01/2022 payment made. - Due Diligence Vendor-09/09/2022 | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO is 165 points higher than required 620<br>LTV is less than guideline maximum - - LTV 65% is 20% less than maximum 85% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 776788 | xxxxxx D B A | Closed | xxxxxx | 2022-08-26 15:22 | 2022-08-30 11:00 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing DTI is 21%, therefore, considered non material. Client waiver applied to non-material finding - Due Diligence Vendor-08/30/2022 |  | Waived-Borrower 1 Gap Credit Report is Missing DTI is 21%, therefore, considered non material. Client waiver applied to non-material finding - Due Diligence Vendor-08/30/2022 | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO is 165 points higher than required 620<br>LTV is less than guideline maximum - - LTV 65% is 20% less than maximum 85% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 777778 | xxxxxx C B A | Closed | xxxxxx | 2022-10-10 13:04 | 2022-10-13 11:06 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved--Received supporting documentation - Due Diligence Vendor-10/13/2022 <br> Open-Asset Qualification Does Not Meet Guideline Requirements - Attorney letter in file reflect holding Buyer's deposit in the amount of $115,000. But, no other reference or supporting documentation provided to source the funds. Guideline require a single account statement covering a one (1) month period.CD reflect receipt of $115,000. - Due Diligence Vendor-10/10/2022 |  | Resolved--Received supporting documentation - Due Diligence Vendor-10/13/2022 | On time mortgage history exceeds guideline requirement - - CR reflect no late for REO mortgage history of 41 months. Primary residence owned free & clear. On time mortgage history exceeds guideline requirement.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 700 is at least 20 points above minimum for program 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 777778 | xxxxxx C B A | Closed | xxxxxx | 2022-10-13 10:58 | 2022-10-13 11:05 | Resolved | 1 - Information A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Upon further review total Qualified Assets Post-Close are greater than $0. - Due Diligence Vendor-09/19/2025 <br> Open-Total Qualified Assets Post-Close amount is '$-94245.16'. Assets are Insufficient. - Due Diligence Vendor-10/13/2022 |  | Resolved-Upon further review total Qualified Assets Post-Close are greater than $0. - Due Diligence Vendor-09/19/2025 | On time mortgage history exceeds guideline requirement - - CR reflect no late for REO mortgage history of 41 months. Primary residence owned free & clear. On time mortgage history exceeds guideline requirement.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 700 is at least 20 points above minimum for program 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 777778 | xxxxxx C B A | Closed | xxxxxx | 2022-10-10 12:56 | 2022-10-12 12:46 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved--In file for Borrower, not required for Seller. - Due Diligence Vendor-10/12/2022 <br> Open-All Interested Parties Not Checked with Exclusionary Lists - Due Diligence Vendor-10/10/2022 |  | Resolved--In file for Borrower, not required for Seller. - Due Diligence Vendor-10/12/2022 | On time mortgage history exceeds guideline requirement - - CR reflect no late for REO mortgage history of 41 months. Primary residence owned free & clear. On time mortgage history exceeds guideline requirement.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 700 is at least 20 points above minimum for program 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 777778 | xxxxxx C B A | Closed | xxxxxx | 2022-10-10 12:56 | 2022-10-12 12:44 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-10/12/2022 <br> Open-OFAC Check Not Completed and/or Cleared - OFAC/ GSA/LDP checked for Borrower's LLC But guideline require all parties to the transaction (Borrower, Sellers, Brokers, Loan Officers, and Real Estate Agents) must be included in the fraud report. - Due Diligence Vendor-10/10/2022 |  | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-10/12/2022 | On time mortgage history exceeds guideline requirement - - CR reflect no late for REO mortgage history of 41 months. Primary residence owned free & clear. On time mortgage history exceeds guideline requirement.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 700 is at least 20 points above minimum for program 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 777778 | xxxxxx C B A | Closed | xxxxxx | 2022-10-10 12:16 | 2022-10-10 15:32 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Client waiver applied to non-material finding - Due Diligence Vendor-10/10/2022 |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Client waiver applied to non-material finding - Due Diligence Vendor-10/10/2022 | On time mortgage history exceeds guideline requirement - - CR reflect no late for REO mortgage history of 41 months. Primary residence owned free & clear. On time mortgage history exceeds guideline requirement.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 700 is at least 20 points above minimum for program 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777945 | xxxxxx D B A | Closed | xxxxxx | 2022-09-14 13:55 | 2025-09-22 10:55 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-Upon further review no further documentation required. - Due Diligence Vendor-09/22/2025 <br> Open-OFAC Check Not Completed and/or Cleared - Missing OFAC check for all interested parties. OFAC provided only for borrower, mortgage broker and loan officer. - Due Diligence Vendor-09/14/2022 |  | Waived-Upon further review no further documentation required. - Due Diligence Vendor-09/22/2025 | Qualifying DTI below maximum allowed - 38.31% DTI exceeds 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 737 FICO exceeds 700 minimum. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777945 | xxxxxx D B A | Closed | xxxxxx | 2022-09-14 14:47 | 2025-09-17 17:52 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved--Received HOA questionnaire - Due Diligence Vendor-09/30/2022 <br> Counter--Received Condo cert stating Limited Review however missing information regarding any potential pending litigation. Appraisal does not document this information. Finding remains - Due Diligence Vendor-09/26/2022 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. - Missing HOA questionnaire and unable to determine eligibility and if open litigation. Additional findings may apply. - Due Diligence Vendor-09/14/2022 |  | Resolved--Received HOA questionnaire - Due Diligence Vendor-09/30/2022 | Qualifying DTI below maximum allowed - 38.31% DTI exceeds 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 737 FICO exceeds 700 minimum. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 777945 | xxxxxx D B A | Closed | xxxxxx | 2022-09-14 15:08 | 2022-09-19 22:40 | Waived | 2 - Non-Material C B | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Waived-Client Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - DTI <= 40% which is below requirement in guidelines / Compensating Factor 3 - Residual income more than 1.5x the amount required by guidelines<br> - Due Diligence Vendor-09/20/2022 <br> Open-Asset Record 2 Does Not Meet G/L Requirements - Missing evidence of transfer of $147,000 in gift funds. Funds required for reserves. - Due Diligence Vendor-09/14/2022 |  | Waived-Client Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - DTI <= 40% which is below requirement in guidelines / Compensating Factor 3 - Residual income more than 1.5x the amount required by guidelines<br> - Due Diligence Vendor-09/20/2022 | Qualifying DTI below maximum allowed - 38.31% DTI exceeds 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 737 FICO exceeds 700 minimum. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777945 | xxxxxx D B A | Closed | xxxxxx | 2022-09-14 13:52 | 2022-09-15 10:27 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - Missing xxxxxx credit report. 38% DTI, considered non material. Client waiver applied to non-material finding<br> - Due Diligence Vendor-09/14/2022 |  | Waived-Borrower 1 Gap Credit Report is Missing - Missing xxxxxx credit report. 38% DTI, considered non material. Client waiver applied to non-material finding<br> - Due Diligence Vendor-09/14/2022 | Qualifying DTI below maximum allowed - 38.31% DTI exceeds 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 737 FICO exceeds 700 minimum. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777945 | xxxxxx D B A | Closed | xxxxxx | 2022-09-14 15:08 | 2022-09-15 10:09 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Waived-Asset Record 1 Does Not Meet G/L Requirements - Wire for $137,000 gift funds was dated 06/01/2022 or after xxxxxx disbursement date. Client waiver applied to non-material finding - Due Diligence Vendor-09/14/2022 |  | Waived-Asset Record 1 Does Not Meet G/L Requirements - Wire for $137,000 gift funds was dated 06/01/2022 or after xxxxxx disbursement date. Client waiver applied to non-material finding - Due Diligence Vendor-09/14/2022 | Qualifying DTI below maximum allowed - 38.31% DTI exceeds 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 737 FICO exceeds 700 minimum. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777945 | xxxxxx D B A | Closed | xxxxxx | 2022-09-14 14:04 | 2022-09-15 10:06 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Waived-Borrower 1 3rd Party VOE Prior to Close Missing - Missing verbal VOE completed 10 days prior to the note date. Verbal VOE in file is dated xxxxxx, or 14 days prior to note date. Client waiver applied to non-material finding - Due Diligence Vendor-09/14/2022 |  | Waived-Borrower 1 3rd Party VOE Prior to Close Missing - Missing verbal VOE completed 10 days prior to the note date. Verbal VOE in file is dated xxxxxx, or 14 days prior to note date. Client waiver applied to non-material finding - Due Diligence Vendor-09/14/2022 | Qualifying DTI below maximum allowed - 38.31% DTI exceeds 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 737 FICO exceeds 700 minimum. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777945 | xxxxxx D B A | Closed | xxxxxx | 2022-09-14 14:47 | 2022-09-15 10:05 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Client waiver applied to non-material finding - Due Diligence Vendor-09/15/2022 |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Client waiver applied to non-material finding - Due Diligence Vendor-09/15/2022 | Qualifying DTI below maximum allowed - 38.31% DTI exceeds 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 737 FICO exceeds 700 minimum. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777984 | xxxxxx C B A | Closed | xxxxxx | 2022-09-13 09:23 | 2022-10-17 11:57 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-10/17/2022 <br> Counter--Received OFAC for xxxxxx. Missing OFAC for xxxxxx AND Exclusionary HUD/LDP/GSA list searches for both xxxxxx - Due Diligence Vendor-10/11/2022 <br> Counter--Received same information already in file. Missing OFAC and Exclusionary list search for sellers representatives on purchase agreement, xxxxxx - Due Diligence Vendor-10/04/2022 <br> Counter--Received OFAC for business, xxxxxx, however individuals signing on behalf or organization must be checked through OFAC as well. - Due Diligence Vendor-09/29/2022 <br> Open-OFAC Check Not Completed and/or Cleared - Missing OFAC check for all interested parties. OFAC provided only for borrower, mortgage broker and loan officer.<br> - Considered material as Seller was not run through OFAC/LDP/GSA<br> - Due Diligence Vendor-09/13/2022 |  | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-10/17/2022 | Qualifying DTI below maximum allowed - 41.34% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 783 FICO exceeds 660 minimum required.<br>LTV is less than guideline maximum - 70.15% LTV is less than 80% maximum. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 777984 | xxxxxx C B A | Closed | xxxxxx | 2022-10-04 14:07 | 2022-10-04 14:12 | Waived | 2 - Non-Material A B | Credit | Assets | Asset 2 Less Than 2 Months Verified | Waived--Received 1 months current statement for xxxxxx, guidelines require 2 months. Finding is deemed non-material. --Client waiver applied to non-material finding - Due Diligence Vendor-10/04/2022 <br> Open-Asset 2 Less Than 2 Months Verified - Due Diligence Vendor-10/04/2022 |  | Waived--Received 1 months current statement for xxxxxx, guidelines require 2 months. Finding is deemed non-material. --Client waiver applied to non-material finding - Due Diligence Vendor-10/04/2022 | Qualifying DTI below maximum allowed - 41.34% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 783 FICO exceeds 660 minimum required.<br>LTV is less than guideline maximum - 70.15% LTV is less than 80% maximum. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777984 | xxxxxx C B A | Closed | xxxxxx | 2022-09-13 11:03 | 2022-10-04 14:11 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved--Received additional xxxxxx statement for sufficient assets - Due Diligence Vendor-10/04/2022 <br> Counter--Client response: Per TVOE guideline, 1 month bank statement is required. Asset is not in shortage<br> -(AUDIT RESPONSE) Assets are insufficient. Cash to close is $236,644.98 + reserves of $25,115.22, asset provided is xxxxxx with a balance of $127,199.27. Finding remains - Due Diligence Vendor-09/29/2022 <br> Open-Total Qualified Assets Post-Close amount is '$-109445.71'. Assets are Insufficient. - Short funds to close of $109,445.71. File included xxxxxx statement dated 07/21/2021 for xxxxxx that was used to support EMD clear but was missing any updated statements. Two months required per guidelines. - Due Diligence Vendor-09/13/2022 |  | Resolved--Received additional xxxxxx statement for sufficient assets - Due Diligence Vendor-10/04/2022 | Qualifying DTI below maximum allowed - 41.34% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 783 FICO exceeds 660 minimum required.<br>LTV is less than guideline maximum - 70.15% LTV is less than 80% maximum. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 777984 | xxxxxx C B A | Closed | xxxxxx | 2022-09-13 11:09 | 2022-10-04 14:10 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 14.87 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Received current xxxxxx statement with additional assets - Due Diligence Vendor-10/04/2022 <br> Counter--Client response: Per TVOE guideline, 1 month bank statement is required. Asset is not in shortage<br> -(AUDIT RESPONSE) Assets are insufficient. Cash to close is $236,644.98 + reserves of $25,115.22, asset provided is xxxxxx with a balance of $127,199.27. Finding remains - Due Diligence Vendor-09/29/2022 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) - Audited Reserves of 0 month(s)-Missing two months bank statements supporting 6 months of reserves. File included xxxxxx statement dated 07/21/2021 for xxxxxx but was missing any updated statements. Two months required per guidelines. - Due Diligence Vendor-09/13/2022 |  | Resolved-Audited Reserves of 14.87 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Received current xxxxxx statement with additional assets - Due Diligence Vendor-10/04/2022 | Qualifying DTI below maximum allowed - 41.34% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 783 FICO exceeds 660 minimum required.<br>LTV is less than guideline maximum - 70.15% LTV is less than 80% maximum. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 777984 | xxxxxx C B A | Closed | xxxxxx | 2022-09-13 09:56 | 2022-09-29 14:19 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-09/29/2022 <br> Open-Title Coverage Amount of $0 is Less than Total Amount of Subject Lien(s) of xxxxxx. - Preliminary title does not disclose loan amount/coverage. Provide Final title or Prelim amended reflecting Title coverage of xxxxxx - Due Diligence Vendor-09/13/2022 |  | Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-09/29/2022 | Qualifying DTI below maximum allowed - 41.34% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 783 FICO exceeds 660 minimum required.<br>LTV is less than guideline maximum - 70.15% LTV is less than 80% maximum. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 777984 | xxxxxx C B A | Closed | xxxxxx | 2022-09-13 11:03 | 2022-09-14 17:06 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived-Asset 1 Less Than 2 Months Verified - Two bank statements required and only the 05/31/2022 statement provided for xxxxxx.<br> - Considered non-material<br> Client waiver applied to non-material finding - Due Diligence Vendor-09/13/2022 |  | Waived-Asset 1 Less Than 2 Months Verified - Two bank statements required and only the 05/31/2022 statement provided for xxxxxx<br> - Considered non-material<br> Client waiver applied to non-material finding - Due Diligence Vendor-09/13/2022 | Qualifying DTI below maximum allowed - 41.34% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 783 FICO exceeds 660 minimum required.<br>LTV is less than guideline maximum - 70.15% LTV is less than 80% maximum. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777984 | xxxxxx C B A | Closed | xxxxxx | 2022-09-12 10:08 | 2022-09-12 13:57 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material finding - Due Diligence Vendor-09/12/2022 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material finding - Due Diligence Vendor-09/12/2022 | Qualifying DTI below maximum allowed - 41.34% DTI is less than 49.99% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 783 FICO exceeds 660 minimum required.<br>LTV is less than guideline maximum - 70.15% LTV is less than 80% maximum. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777985 | xxxxxx B A | Closed | xxxxxx | 2022-09-13 16:12 | 2022-09-13 16:32 | Waived | 2 - Non-Material B | Credit | Assets | Asset 3 Less Than 2 Months Verified | Waived-Asset 3 Less Than 2 Months Verified - File contains only 1 month bank statement for xxxxxx xxxxxx. Two months are required per guides. <br> - Considered non-material<br> Client waiver applied to non-material finding - Due Diligence Vendor-09/13/2022 |  | Waived-Asset 3 Less Than 2 Months Verified - File contains only 1 month bank statement for xxxxxx xxxxxx. Two months are required per guides. <br> - Considered non-material<br> Client waiver applied to non-material finding - Due Diligence Vendor-09/13/2022 | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 762 is 82 points higher than required 680<br>LTV is less than guideline maximum - - LTV 66.95% is 13.05% lower than maximum 80%<br>Qualifying DTI below maximum allowed - - DTI 40.47% is 9.52% lower than maximum 49.99% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777985 | xxxxxx B A | Closed | xxxxxx | 2022-09-13 16:05 | 2022-09-13 16:31 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. <br> - Considered non-material<br> Client waiver applied to non-material finding - Due Diligence Vendor-09/13/2022 |  | Waived-OFAC Check Not Completed and/or Cleared - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. <br> - Considered non-material<br> Client waiver applied to non-material finding - Due Diligence Vendor-09/13/2022 | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 762 is 82 points higher than required 680<br>LTV is less than guideline maximum - - LTV 66.95% is 13.05% lower than maximum 80%<br>Qualifying DTI below maximum allowed - - DTI 40.47% is 9.52% lower than maximum 49.99% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777985 | xxxxxx B A | Closed | xxxxxx | 2022-09-13 16:27 | 2022-09-13 16:31 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 3.82 month(s) are less than Guideline Required Reserves of 4 month(s) Considered non-material due to;<br> - FICO 762 w/ min 660<br> - DTI 40.47% w/ max 49.99%<br> - LTV 66.95% w/ max 80%<br> Client waiver applied to non-material finding<br> - Due Diligence Vendor-09/13/2022 |  | Waived-Audited Reserves of 3.82 month(s) are less than Guideline Required Reserves of 4 month(s) Considered non-material due to;<br> - FICO 762 w/ min 660<br> - DTI 40.47% w/ max 49.99%<br> - LTV 66.95% w/ max 80%<br> Client waiver applied to non-material finding<br> - Due Diligence Vendor-09/13/2022 | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 762 is 82 points higher than required 680<br>LTV is less than guideline maximum - - LTV 66.95% is 13.05% lower than maximum 80%<br>Qualifying DTI below maximum allowed - - DTI 40.47% is 9.52% lower than maximum 49.99% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777985 | xxxxxx B A | Closed | xxxxxx | 2022-09-13 16:04 | 2022-09-13 16:31 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Considered non-material due to;<br> - FICO 765 w/ min 660<br> - DTI 40.47% w/ max 49.99%<br> - LTV 66.95% w/ max 80%<br> Client waiver applied to non-material finding<br> - Due Diligence Vendor-09/13/2022 |  | Waived-Borrower 1 Gap Credit Report is Missing Considered non-material due to;<br> - FICO 765 w/ min 660<br> - DTI 40.47% w/ max 49.99%<br> - LTV 66.95% w/ max 80%<br> Client waiver applied to non-material finding<br> - Due Diligence Vendor-09/13/2022 | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 762 is 82 points higher than required 680<br>LTV is less than guideline maximum - - LTV 66.95% is 13.05% lower than maximum 80%<br>Qualifying DTI below maximum allowed - - DTI 40.47% is 9.52% lower than maximum 49.99% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777985 | xxxxxx B A | Closed | xxxxxx | 2022-09-13 15:38 | 2022-09-13 15:38 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Client waiver applied to non-material finding - Due Diligence Vendor-09/13/2022 |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Client waiver applied to non-material finding - Due Diligence Vendor-09/13/2022 | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 762 is 82 points higher than required 680<br>LTV is less than guideline maximum - - LTV 66.95% is 13.05% lower than maximum 80%<br>Qualifying DTI below maximum allowed - - DTI 40.47% is 9.52% lower than maximum 49.99% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777985 | xxxxxx B A | Closed | xxxxxx | 2022-09-12 16:30 | 2022-09-13 10:14 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material finding - Due Diligence Vendor-09/12/2022 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material finding - Due Diligence Vendor-09/12/2022 | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 762 is 82 points higher than required 680<br>LTV is less than guideline maximum - - LTV 66.95% is 13.05% lower than maximum 80%<br>Qualifying DTI below maximum allowed - - DTI 40.47% is 9.52% lower than maximum 49.99% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777996 | xxxxxx C B A | Closed | xxxxxx | 2022-09-19 13:32 | 2025-09-18 09:56 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved--Received contract addendum amending sales price - Due Diligence Vendor-09/27/2022 <br> Open--there is no purchase contract amendment lowering the purchase price to xxxxxx from xxxxxx. - Due Diligence Vendor-09/19/2022 |  | Resolved--Received contract addendum amending sales price - Due Diligence Vendor-09/27/2022 | Ontime mortgage history exceeds guideline requirement - The borrower's verified rental history of 24 months exceeds the guideline requirement of 12 months. <br>LTV is less than guideline maximum - LTV of 70% is less than the guideline maximum |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 777996 | xxxxxx C B A | Closed | xxxxxx | 2022-09-20 06:52 | 2022-10-05 13:18 | Waived | 2 - Non-Material C B | Credit | Closing | The Deed of Trust is Incomplete | Waived--Client Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - DTI <= 40% which is below requirement in guidelines / Compensating Factor 3 - Reserves exceed requirement by 2 months or more<br> - Due Diligence Vendor-10/05/2022 <br> Counter--Received Legal Description from Title Commitment/Policy page 5 of 12. Provide DOT with Exhibit A Legal Description attached - Due Diligence Vendor-10/05/2022 <br> Counter--Received Exhibit A, however it is not the correct Exhibit A Legal Description attached to the DOT - Due Diligence Vendor-09/27/2022 <br> Open-The Deed of Trust is Incomplete - Missing Exhibit "A" (legal description attachment) - Due Diligence Vendor-09/20/2022 |  | Waived--Client Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - DTI <= 40% which is below requirement in guidelines / Compensating Factor 3 - Reserves exceed requirement by 2 months or more<br> - Due Diligence Vendor-10/05/2022 | Ontime mortgage history exceeds guideline requirement - The borrower's verified rental history of 24 months exceeds the guideline requirement of 12 months. <br>LTV is less than guideline maximum - LTV of 70% is less than the guideline maximum |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777996 | xxxxxx C B A | Closed | xxxxxx | 2022-09-19 13:10 | 2022-09-30 10:42 | Waived | 2 - Non-Material C B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived--Client Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - DTI <= 40% which is below requirement in guidelines / Compensating Factor 2 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 3 - Residual income more than 2.5x the amount required by guidelines<br> - Due Diligence Vendor-09/30/2022 <br> Counter--Received gift letter however it is missing borrower name, additionally, borrower signature does not match borrower signature on loan documents - Due Diligence Vendor-09/27/2022 <br> Open-Asset Qualification Does Not Meet Guideline Requirements -100,000 unsourced deposit to xxxxxx account xxxxxx on 06/15/2022. Please provide documentation as to the source of funds. This deposit appears to be coming from a non-xxxxxx source. - Due Diligence Vendor-09/19/2022 |  | Waived--Client Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - DTI <= 40% which is below requirement in guidelines / Compensating Factor 2 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 3 - Residual income more than 2.5x the amount required by guidelines<br> - Due Diligence Vendor-09/30/2022 | Ontime mortgage history exceeds guideline requirement - The borrower's verified rental history of 24 months exceeds the guideline requirement of 12 months. <br>LTV is less than guideline maximum - LTV of 70% is less than the guideline maximum |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777996 | xxxxxx C B A | Closed | xxxxxx | 2022-09-20 07:49 | 2022-09-20 09:34 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of 716 is less than Guideline FICO of 720 -720 required for escrow waiver Considered non-material due to; - LTV 70% - DTI 38.31%Client waiver applied to non-material finding - Due Diligence Vendor-09/20/2022 |  | Waived-Audited FICO of 716 is less than Guideline FICO of 720 -720 required for escrow waiver Considered non-material due to; - LTV 70% - DTI 38.31%Client waiver applied to non-material finding - Due Diligence Vendor-09/20/2022 | Ontime mortgage history exceeds guideline requirement - The borrower's verified rental history of 24 months exceeds the guideline requirement of 12 months. <br>LTV is less than guideline maximum - LTV of 70% is less than the guideline maximum |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777996 | xxxxxx C B A | Closed | xxxxxx | 2022-09-19 13:10 | 2022-09-20 07:13 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived-Asset 1 Less Than 2 Months Verified - File contains only 1 month bank statement for xxxxxx account xxxxxx. Two months are required per guides.<br> Client waiver applied to non-material finding - Due Diligence Vendor-09/19/2022 |  | Waived-Asset 1 Less Than 2 Months Verified - File contains only 1 month bank statement for xxxxxx account xxxxxx. Two months are required per guides.<br> Client waiver applied to non-material finding - Due Diligence Vendor-09/19/2022 | Ontime mortgage history exceeds guideline requirement - The borrower's verified rental history of 24 months exceeds the guideline requirement of 12 months. <br>LTV is less than guideline maximum - LTV of 70% is less than the guideline maximum |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777996 | xxxxxx C B A | Closed | xxxxxx | 2022-09-19 12:49 | 2022-09-20 07:04 | Waived | 2 - Non-Material B | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. <br> Client waiver applied to non-material finding - Due Diligence Vendor-09/19/2022 |  | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. <br> Client waiver applied to non-material finding - Due Diligence Vendor-09/19/2022 | Ontime mortgage history exceeds guideline requirement - The borrower's verified rental history of 24 months exceeds the guideline requirement of 12 months. <br>LTV is less than guideline maximum - LTV of 70% is less than the guideline maximum |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777999 | xxxxxx D B A | Closed | xxxxxx | 2022-09-16 08:58 | 2022-09-27 09:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved--Received documentation - Due Diligence Vendor-09/27/2022 <br> Open--Missing hazard insurance and HOA confirmation for the xxxxxx REO. The confirmation of the hazard insurance amount may result in a change to the DTI. Additional conditions may apply. - Due Diligence Vendor-09/16/2022 |  | Resolved--Received documentation - Due Diligence Vendor-09/27/2022<br>| LTV is less than guideline maximum - - LTV 75% is 5% less than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO score of 775 exceeds guideline minimum of 660. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 777999 | xxxxxx D B A | Closed | xxxxxx | 2022-09-15 16:53 | 2022-09-19 15:07 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived-Asset 1 Less Than 2 Months Verified - File contains only 1 month bank statement for xxxxxx account xxxxxx. Two months are required per guides.<br> - Considered non-material <br> Client waiver applied to non-material finding<br> - Due Diligence Vendor-09/15/2022 |  | Waived-Asset 1 Less Than 2 Months Verified - File contains only 1 month bank statement for xxxxxx account xxxxxx. Two months are required per guides.<br> - Considered non-material <br> Client waiver applied to non-material finding<br> - Due Diligence Vendor-09/15/2022 | LTV is less than guideline maximum - - LTV 75% is 5% less than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO score of 775 exceeds guideline minimum of 660. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777999 | xxxxxx D B A | Closed | xxxxxx | 2022-09-15 16:47 | 2022-09-19 15:03 | Waived | 2 - Non-Material B | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. <br> Client waiver applied to non-material finding - Due Diligence Vendor-09/15/2022 |  | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. <br> Client waiver applied to non-material finding - Due Diligence Vendor-09/15/2022 | LTV is less than guideline maximum - - LTV 75% is 5% less than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO score of 775 exceeds guideline minimum of 660. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 777999 | xxxxxx D B A | Closed | xxxxxx | 2022-09-15 16:28 | 2022-09-19 14:56 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - missing evidence hazard insurance was in place as of the note date. Final CD reflects Prepaids of xxxxxx to xxxxxx with disbursement date of xxxxxx.<br> - Considered non-material<br> Client waiver applied to non-material finding - Due Diligence Vendor-09/15/2022 |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - missing evidence hazard insurance was in place as of the note date. Final CD reflects Prepaids of $717 to xxxxxx with disbursement date of xxxxxx.<br> - Considered non-material<br> Client waiver applied to non-material finding - Due Diligence Vendor-09/15/2022 | LTV is less than guideline maximum - - LTV 75% is 5% less than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO score of 775 exceeds guideline minimum of 660. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778003 | xxxxxx D B A | Closed | xxxxxx | 2022-09-19 15:51 | 2022-09-27 09:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved--Received management approval letter - Due Diligence Vendor-09/27/2022 <br>Open-Third Party Fraud Report Partially Provided - Missing evidence of management review and approval for 836 score. Any score >= 800 require management approval to proceed with the loan. - Due Diligence Vendor-09/19/2022 |  | Resolved--Received management approval letter - Due Diligence Vendor-09/27/2022 | Months Reserves exceed minimum required - =Reserves total 20 months which exceeds the 6 months required. <br>Qualifying FICO score is at least 20 points above minimum for program - FICO score of 733 greater than the guideline requirement of 700. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778003 | xxxxxx D B A | Closed | xxxxxx | 2022-09-14 09:21 | 2022-09-19 15:55 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived-Asset 1 Less Than 2 Months Verified - File contains only 1 month bank statement for xxxxxx account xxxxxx. Two months are required per guides.<br> Client waiver applied to non-material finding - Due Diligence Vendor-09/14/2022 |  | Waived-Asset 1 Less Than 2 Months Verified - File contains only 1 month bank statement for xxxxxx account xxxxxx. Two months are required per guides.<br> Client waiver applied to non-material finding - Due Diligence Vendor-09/14/2022 | Months Reserves exceed minimum required - =Reserves total 20 months which exceeds the 6 months required. <br>Qualifying FICO score is at least 20 points above minimum for program - FICO score of 733 greater than the guideline requirement of 700. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778003 | xxxxxx D B A | Closed | xxxxxx | 2022-09-14 09:05 | 2022-09-19 15:51 | Waived | 2 - Non-Material B | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. <br> Client waiver applied to non-material finding<br> - Due Diligence Vendor-09/14/2022 |  | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. <br> Client waiver applied to non-material finding<br> - Due Diligence Vendor-09/14/2022 | Months Reserves exceed minimum required - =Reserves total 20 months which exceeds the 6 months required. <br>Qualifying FICO score is at least 20 points above minimum for program - FICO score of 733 greater than the guideline requirement of 700. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778003 | xxxxxx D B A | Closed | xxxxxx | 2022-09-13 17:07 | 2022-09-19 15:44 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - No evidence hazard insurance was in effect as of the note date. Final CD disbursement date xxxxxx with xxxxxx to xxxxxx Insurance in prepaids.<br> Client waiver applied to non-material finding - Due Diligence Vendor-09/13/2022 |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - No evidence hazard insurance was in effect as of the note date. Final CD disbursement date xxxxxx with $1367.15 to xxxxxx Insurance in prepaids.<br> Client waiver applied to non-material finding - Due Diligence Vendor-09/13/2022 | Months Reserves exceed minimum required - =Reserves total 20 months which exceeds the 6 months required. <br>Qualifying FICO score is at least 20 points above minimum for program - FICO score of 733 greater than the guideline requirement of 700. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778004 | xxxxxx D B A | Closed | xxxxxx | 2022-09-19 12:35 | 2022-09-27 09:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved--Received management approval letter - Due Diligence Vendor-09/27/2022 <br>Open-Third Party Fraud Report Partially Provided - Missing evidence of management review and approval for 830 score. Any score >= 800 require management approval to proceed with the loan. - Due Diligence Vendor-09/19/2022 |  | Resolved--Received management approval letter - Due Diligence Vendor-09/27/2022 | LTV is less than guideline maximum - _ LTV 68.57% is less than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 758 is 98 points higher than required 660 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778004 | xxxxxx D B A | Closed | xxxxxx | 2022-09-19 12:48 | 2022-09-20 09:36 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 3.3 month(s) are less than Guideline Required Reserves of 4 month(s) Considered non-material due to; - DTI 47.58% - LTV 68.57% FICO 758. Client waiver applied to non-material finding - Due Diligence Vendor-09/20/2022 |  | Waived-Audited Reserves of 3.3 month(s) are less than Guideline Required Reserves of 4 month(s) Considered non-material due to; - DTI 47.58% - LTV 68.57% FICO 758. Client waiver applied to non-material finding - Due Diligence Vendor-09/20/2022 | LTV is less than guideline maximum - _ LTV 68.57% is less than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 758 is 98 points higher than required 660 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778004 | xxxxxx D B A | Closed | xxxxxx | 2022-09-19 12:35 | 2022-09-20 08:31 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. <br> - Considered non-material<br> Client waiver applied to non-material finding - Due Diligence Vendor-09/19/2022 |  | Waived-OFAC Check Not Completed and/or Cleared - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. <br> - Considered non-material<br> Client waiver applied to non-material finding - Due Diligence Vendor-09/19/2022 | LTV is less than guideline maximum - _ LTV 68.57% is less than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 758 is 98 points higher than required 660 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778004 | xxxxxx D B A | Closed | xxxxxx | 2022-09-19 12:19 | 2022-09-19 12:19 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Client waiver applied to non-material finding - Due Diligence Vendor-09/19/2022 |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Client waiver applied to non-material finding - Due Diligence Vendor-09/19/2022 | LTV is less than guideline maximum - _ LTV 68.57% is less than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 758 is 98 points higher than required 660 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778176 | xxxxxx D B A | Closed | xxxxxx | 2022-10-05 15:58 | 2025-09-19 08:20 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Waived-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Missing lender's asset depletion worksheet.<br> Considered non-material due to;<br> - Bank statement & Wage income worksheet in file <br> - FICO 728<br> - DTI 40%<br> - LTV 55%<br> - Additional Reserves 112 months <br> Client waiver applied to non-material finding - Due Diligence Vendor-10/05/2022 |  | Waived-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Missing lender's asset depletion worksheet.<br> Considered non-material due to;<br> - Bank statement & Wage income worksheet in file <br> - FICO 728<br> - DTI 40%<br> - LTV 55%<br> - Additional Reserves 112 months <br> Client waiver applied to non-material finding - Due Diligence Vendor-10/05/2022 | Qualifying FICO score is at least 20 points above minimum for program - 728 FICO exceeds 660 minimum.<br>LTV is less than guideline maximum - 55% LTV is less than 80% maximum. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 778176 | xxxxxx D B A | Closed | xxxxxx | 2022-10-05 16:40 | 2022-10-07 12:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Required forms/disclosures missing | Resolved--Received documents - Due Diligence Vendor-10/07/2022 <br> Ready for Review-Document Uploaded. - Seller-10/07/2022 <br> Open--Missing the 03/2022 xxxxxx xxxxxx statement showing business paid xxxxxx Finance payment of $2,034.40 on 03/30 per LOX.<br> - Due Diligence Vendor-10/05/2022 | Ready for Review-Document Uploaded. - Seller-10/07/2022 | Resolved--Received documents - Due Diligence Vendor-10/07/2022 | Qualifying FICO score is at least 20 points above minimum for program - 728 FICO exceeds 660 minimum.<br>LTV is less than guideline maximum - 55% LTV is less than 80% maximum. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778176 | xxxxxx D B A | Closed | xxxxxx | 2022-10-05 16:45 | 2022-10-07 12:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Received corrected final CD - Due Diligence Vendor-10/07/2022 <br> Ready for Review-Document Uploaded. - Seller-10/07/2022 <br> Open-The Final 1003 is Incomplete - Missing required 2-year self-employment history on final (1003) application. Borrower identified as employer with no additional documentation for employment 1. - Due Diligence Vendor-10/05/2022 | Ready for Review-Document Uploaded. - Seller-10/07/2022 | Resolved-The Final 1003 is Present - Received corrected final CD - Due Diligence Vendor-10/07/2022 | Qualifying FICO score is at least 20 points above minimum for program - 728 FICO exceeds 660 minimum.<br>LTV is less than guideline maximum - 55% LTV is less than 80% maximum. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778176 | xxxxxx D B A | Closed | xxxxxx | 2022-10-05 15:58 | 2022-10-06 17:43 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved--Additional pages within statement do reference xxxxxx as owner of account. - Due Diligence Vendor-10/06/2022 <br> Ready for Review-xxxxxx asset is owned by borrower, xxxxxx (pls. refer to page 488 on the uploaded file which shows the account names). - Seller-10/06/2022 <br> Open-Income and Employment Do Not Meet Guidelines - Unable to determine ownership of xxxxxx asset xxxxxx used for income since statement is in name of xxxxxx Household. Per guidelines, all individuals listed on the asset account must be on the note and mortgage. Additional findings may apply if account is not solely in borrower's name. - Due Diligence Vendor-10/05/2022 | Ready for Review-xxxxxx asset is owned by borrower, xxxxxx (pls. refer to page 488 on the uploaded file which shows the account names). - Seller-10/06/2022 | Resolved--Additional pages within statement do reference xxxxxx as owner of account. - Due Diligence Vendor-10/06/2022 | Qualifying FICO score is at least 20 points above minimum for program - 728 FICO exceeds 660 minimum.<br>LTV is less than guideline maximum - 55% LTV is less than 80% maximum. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 778714 | xxxxxx C B A | Closed | xxxxxx | 2022-09-28 15:14 | 2022-10-19 16:04 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Lender provided VOR - Due Diligence Vendor-10/19/2022 <br> Open-Housing History Does Not Meet Guideline Requirements - Borrower acquired property xxxxxx with a balloon note and no payments due however no rental history was provided for previous residence of xxxxxx from 06/2021 to 02/2022 to complete 12 months. - Due Diligence Vendor-09/28/2022 |  | Resolved-Lender provided VOR - Due Diligence Vendor-10/19/2022 | Qualifying FICO score is at least 20 points above minimum for program - - Borrower FICO 738, minimum FICO required 700.<br>Verified employment history exceeds guidelines - - Borrower has 3.5 years job time exceeds minimum two year requirement. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 778714 | xxxxxx C B A | Closed | xxxxxx | 2022-09-26 11:58 | 2022-10-07 11:54 | Resolved | 1 - Information C A | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Resolved-ARM Disclosure Provided Within 3 Days of Application Date or Not Applicable (Occupancy is Primary Residence and Note Type is ARM) - Due Diligence Vendor-10/07/2022 <br> Open-ARM Disclosure Not Provided Within 3 Days of Application Date Initial Arm Disclosure in file dated xxxxxx is not within 3 business days of initial 1003 dated xxxxxx. Statute of limitations - One year - Due Diligence Vendor-10/06/2022 |  | Resolved-ARM Disclosure Provided Within 3 Days of Application Date or Not Applicable (Occupancy is Primary Residence and Note Type is ARM) - Due Diligence Vendor-10/07/2022 | Qualifying FICO score is at least 20 points above minimum for program - - Borrower FICO 738, minimum FICO required 700.<br>Verified employment history exceeds guidelines - - Borrower has 3.5 years job time exceeds minimum two year requirement. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 778714 | xxxxxx C B A | Closed | xxxxxx | 2022-09-28 15:31 | 2022-09-30 09:52 | Waived | 2 - Non-Material B | Credit | Assets | Asset 3 Less Than 2 Months Verified | Waived-Asset 3 Less Than 2 Months Verified - xxxxxx account xxxxxx only provided one month statement. Guidelines required two months be documented. Client waiver applied to non-material finding - Due Diligence Vendor-09/28/2022 |  | Waived-Asset 3 Less Than 2 Months Verified - xxxxxx account xxxxxx only provided one month statement. Guidelines required two months be documented. Client waiver applied to non-material finding - Due Diligence Vendor-09/28/2022 | Qualifying FICO score is at least 20 points above minimum for program - - Borrower FICO 738, minimum FICO required 700.<br>Verified employment history exceeds guidelines - - Borrower has 3.5 years job time exceeds minimum two year requirement. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 778714 | xxxxxx C B A | Closed | xxxxxx | 2022-09-28 15:17 | 2022-09-30 09:35 | Waived | 2 - Non-Material B | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower name, LO and company are present. Client waiver applied to non-material finding - Due Diligence Vendor-09/28/2022 |  | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower name, LO and company are present. Client waiver applied to non-material finding - Due Diligence Vendor-09/28/2022 | Qualifying FICO score is at least 20 points above minimum for program - - Borrower FICO 738, minimum FICO required 700.<br>Verified employment history exceeds guidelines - - Borrower has 3.5 years job time exceeds minimum two year requirement. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 778717 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-30 10:38 | 2022-10-20 15:53 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived--Client Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 20 points > minimum required / Compensating Factor 2 - Residual income more than 2x the amount required by guidelines<br> - Due Diligence Vendor-10/20/2022 <br> Counter--Client response: The guideline allows 1x30x12, so without having the June payment history, the loan file is still eligible.<br> -(AUDIT RESPONSE) Subject loan closed xxxxxx, therefore evidence of 06/01/22 or 07/01/22 is required to meet the 1x30x12 requirement. If not provided loan is 2x30x12 and will not meet housing history requirement. - Due Diligence Vendor-10/07/2022 <br> Open-Housing History Does Not Meet Guideline Requirements - Missing evidence that 6/1/2022 payment was made to xxxxxx. Last payment xxxxxx with closing date of xxxxxx and exceeds 30 days or 1x30x12. - Due Diligence Vendor-09/30/2022 |  | Waived--Client Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 20 points > minimum required / Compensating Factor 2 - Residual income more than 2x the amount required by guidelines<br> - Due Diligence Vendor-10/20/2022 | Qualifying DTI below maximum allowed - DTI 41% is below maximum allowed of 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Borrower FICO 717 exceeds minimum FICO required of 660. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778717 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-29 14:13 | 2022-10-17 10:10 | Resolved | 1 - Information D A | Credit | Missing Doc | File does not contain all required Asset Statement(s) | Resolved--Received asset statement showing deposit of the $2,300. - Due Diligence Vendor-10/17/2022 <br> Counter--Client response: The cashier's check shows that it is strictly for security deposit. Please reconsider this and let us know if we can waive the condition since bank statement should not be required for security deposit. <br> -(AUDIT RESPONSE) Per guidelines 8.4, due to elevated risk, a bank statement showing the deposit is required. - Due Diligence Vendor-10/07/2022 <br> Open--Missing bank statement showing the security deposit of $2,300 was deposited per guideline requirement for departure residence xxxxxx. Only a copy of the check was provided. - Due Diligence Vendor-09/29/2022 |  | Resolved--Received asset statement showing deposit of the $2,300. - Due Diligence Vendor-10/17/2022 | Qualifying DTI below maximum allowed - DTI 41% is below maximum allowed of 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Borrower FICO 717 exceeds minimum FICO required of 660. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778717 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-26 16:37 | 2022-10-07 12:38 | Resolved | 1 - Information C A | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Resolved-Client provided initial ARM disclosure dated xxxxxx - Due Diligence Vendor-10/07/2022 <br> Open-ARM Disclosure Not Provided Within 3 Days of Application Date Missing Initial Arm Disclosure dated within 3 business days of initial 1003 dated xxxxxx. Statute of Limitation - One year - Due Diligence Vendor-10/06/2022 |  | Resolved-Client provided initial ARM disclosure dated xxxxxx - Due Diligence Vendor-10/07/2022 | Qualifying DTI below maximum allowed - DTI 41% is below maximum allowed of 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Borrower FICO 717 exceeds minimum FICO required of 660. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778717 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-27 08:38 | 2022-10-07 12:38 | Resolved | 1 - Information A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Client provided LE: xxxxxx - Due Diligence Vendor-10/07/2022 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $15,250.85.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). No changes in fees made from CD xxxxxx to final CD xxxxxx. - Due Diligence Vendor-09/27/2022 |  | Resolved-Client provided LE: xxxxxx - Due Diligence Vendor-10/07/2022 | Qualifying DTI below maximum allowed - DTI 41% is below maximum allowed of 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Borrower FICO 717 exceeds minimum FICO required of 660. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778717 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-27 08:38 | 2022-10-07 12:38 | Resolved | 1 - Information A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Client provided LE: xxxxxx - Due Diligence Vendor-10/07/2022 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. No changes in fees made from CD xxxxxx to final CD xxxxxx. - Due Diligence Vendor-09/27/2022 |  | Resolved-Client provided LE: xxxxxx - Due Diligence Vendor-10/07/2022 | Qualifying DTI below maximum allowed - DTI 41% is below maximum allowed of 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Borrower FICO 717 exceeds minimum FICO required of 660. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778717 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-27 08:38 | 2022-10-07 12:38 | Resolved | 1 - Information A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Client provided LE: xxxxxx - Due Diligence Vendor-10/07/2022 <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% ($4,265.35) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). No changes in fees made from CD xxxxxx to final CD xxxxxx. - Due Diligence Vendor-09/27/2022 |  | Resolved-Client provided LE: xxxxxx - Due Diligence Vendor-10/07/2022 | Qualifying DTI below maximum allowed - DTI 41% is below maximum allowed of 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Borrower FICO 717 exceeds minimum FICO required of 660. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778717 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-27 08:38 | 2022-10-07 12:37 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Client provided LE: xxxxxx - Due Diligence Vendor-10/07/2022 <br> Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into xxxxxx, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Missing Initial LE dated within 3 business days of application date of xxxxxx.<br> Statute of Limitation - three years. - Due Diligence Vendor-09/27/2022 |  | Resolved-Client provided LE: xxxxxx - Due Diligence Vendor-10/07/2022 | Qualifying DTI below maximum allowed - DTI 41% is below maximum allowed of 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Borrower FICO 717 exceeds minimum FICO required of 660. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778717 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-27 08:38 | 2022-10-07 12:37 | Resolved | 1 - Information A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Client provided LE: xxxxxx - Due Diligence Vendor-10/07/2022 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. No changes in fees made from CD xxxxxx to final CD xxxxxx. - Due Diligence Vendor-09/27/2022 |  | Resolved-Client provided LE: xxxxxx - Due Diligence Vendor-10/07/2022 | Qualifying DTI below maximum allowed - DTI 41% is below maximum allowed of 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Borrower FICO 717 exceeds minimum FICO required of 660. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778717 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-29 12:17 | 2022-10-07 12:16 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-10/07/2022 <br> Open-Title Coverage Amount of $0 is Less than Total Amount of Subject Lien(s) of xxxxxx. - No documentation was provided indicating the title policy coverage amount. - Due Diligence Vendor-09/29/2022 |  | Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-10/07/2022 | Qualifying DTI below maximum allowed - DTI 41% is below maximum allowed of 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Borrower FICO 717 exceeds minimum FICO required of 660. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778717 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-29 13:49 | 2022-09-30 12:53 | Waived | 2 - Non-Material B | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Waived--41 DTI, considered non material .Client waiver applied to non-material finding - Due Diligence Vendor-09/30/2022 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - xxxxxx (Gap) report dated xxxxxx, closing date xxxxxx. - Due Diligence Vendor-09/29/2022 |  | Waived--41 DTI, considered non material .Client waiver applied to non-material finding - Due Diligence Vendor-09/30/2022 | Qualifying DTI below maximum allowed - DTI 41% is below maximum allowed of 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Borrower FICO 717 exceeds minimum FICO required of 660. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778717 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-29 14:07 | 2022-09-30 10:08 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 3.52 month(s) are less than Guideline Required Reserves of 5 month(s) - Four months reserves required for subject and one month P&I for retained residence, total of five required. <br> Considered non-material due to;<br> - FICO 717 <br> - LTV 70%<br> - DTI 42%<br> Client waiver applied to non-material finding<br> - Due Diligence Vendor-09/29/2022 |  | Waived-Audited Reserves of 3.52 month(s) are less than Guideline Required Reserves of 5 month(s) - Four months reserves required for subject and one month P&I for retained residence, total of five required. <br> Considered non-material due to;<br> - FICO 717 <br> - LTV 70%<br> - DTI 42%<br> Client waiver applied to non-material finding<br> - Due Diligence Vendor-09/29/2022 | Qualifying DTI below maximum allowed - DTI 41% is below maximum allowed of 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Borrower FICO 717 exceeds minimum FICO required of 660. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778717 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-29 13:50 | 2022-09-30 10:01 | Waived | 2 - Non-Material B | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower name, LO and company are present.<br> Client waiver applied to non-material finding - Due Diligence Vendor-09/29/2022 |  | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower name, LO and company are present.<br> Client waiver applied to non-material finding - Due Diligence Vendor-09/29/2022 | Qualifying DTI below maximum allowed - DTI 41% is below maximum allowed of 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - - Borrower FICO 717 exceeds minimum FICO required of 660. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778730 | xxxxxx D B A | Closed | xxxxxx | 2022-10-03 09:51 | 2022-10-12 11:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-10/12/2022 <br>Open-Borrower 1 Gap Credit Report is Missing - Missing xxxxxx credit report as per guidelines. Finding remains material as (1) DTI is 48%, max is 49.99% (2) FICO is 667, minimum required is 660 (3) LTV is 75%, max LTV is 75% (4) Insufficient funds for reserves - Due Diligence Vendor-10/03/2022 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-10/12/2022 | Long term residence - Borrower own primary residence from the past 3 years.<br>Verified employment history exceeds guidelines - - Borrower employed with same employer 33 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778730 | xxxxxx D B A | Closed | xxxxxx | 2022-10-03 10:22 | 2022-10-04 14:18 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client waiver applied to non-material finding - Due Diligence Vendor-10/04/2022 <br>Open-Audited Reserves of 3.12 month(s) are less than Guideline Required Reserves of 4 month(s) - Missing insufficient assets for required reserves - Due Diligence Vendor-10/03/2022 |  | Waived-Client waiver applied to non-material finding - Due Diligence Vendor-10/04/2022 | Long term residence - Borrower own primary residence from the past 3 years.<br> Verified employment history exceeds guidelines - - Borrower employed with same employer 33 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778730 | xxxxxx D B A | Closed | xxxxxx | 2022-10-03 09:53 | 2022-10-03 09:53 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. <br> - Considered non-material<br> Client waiver applied to non-material finding - Due Diligence Vendor-10/03/2022 |  | Waived-OFAC Check Not Completed and/or Cleared - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. <br> - Considered non-material<br> Client waiver applied to non-material finding - Due Diligence Vendor-10/03/2022 | Long term residence - Borrower own primary residence from the past 3 years.<br>Verified employment history exceeds guidelines - - Borrower employed with same employer 33 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778730 | xxxxxx D B A | Closed | xxxxxx | 2022-10-03 09:44 | 2022-10-03 09:44 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Waived-Borrower 1 3rd Party VOE Prior to Close Missing VVOE is present, however, incomplete as "Is the borrower currently Employed?" was not answered. <br> Non-material due to WVOE dated xxxxxx or 15 days prior to close.<br> Client waiver applied to non-material finding - Due Diligence Vendor-10/03/2022 |  | Waived-Borrower 1 3rd Party VOE Prior to Close Missing VVOE is present, however, incomplete as "Is the borrower currently Employed?" was not answered. <br> Non-material due to WVOE dated xxxxxx or 15 days prior to close.<br> Client waiver applied to non-material finding - Due Diligence Vendor-10/03/2022 | Long term residence - Borrower own primary residence from the past 3 years.<br>Verified employment history exceeds guidelines - - Borrower employed with same employer 33 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778730 | xxxxxx D B A | Closed | xxxxxx | 2022-10-03 09:33 | 2022-10-03 09:33 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Non-material, final CD disbursement date xxxxxx.<br> Client waiver applied to non-material finding - Due Diligence Vendor-10/03/2022 |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Non-material, final CD disbursement date xxxxxx.<br> Client waiver applied to non-material finding - Due Diligence Vendor-10/03/2022 | Long term residence - Borrower own primary residence from the past 3 years.<br>Verified employment history exceeds guidelines - - Borrower employed with same employer 33 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778755 | xxxxxx D B A | Closed | xxxxxx | 2022-10-01 12:50 | 2022-10-18 13:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Lender states that xxxxxx is in same area as subject and there is no HOA. File contains property report for investment home and there is no HOA - Due Diligence Vendor-10/18/2022 <br> Open--Missing evidence of the HOA status for the primary xxxxxx and REO xxxxxx properties. Finding is deemed material due to DTI of 48.82%, max allowable is 49.99% - Due Diligence Vendor-10/04/2022 |  | Resolved-Lender states that xxxxxx is in same area as subject and there is no HOA. File contains property report for investment home and there is no HOA - Due Diligence Vendor-10/18/2022 | Qualifying FICO score is at least 20 points above minimum for program - - FICO of 783 exceeds guideline minimum of 680.<br>Months Reserves exceed minimum required - -19 months reserves exceed guideline minimum of 8 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 778755 | xxxxxx D B A | Closed | xxxxxx | 2022-10-07 08:28 | 2022-10-07 08:40 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Upon further review not a DSCR loan. OC cert in file - Due Diligence Vendor-09/18/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing Documentation supports loan being an investment property, not for personal use. - Due Diligence Vendor-10/07/2022 |  | Resolved-Upon further review not a DSCR loan. OC cert in file - Due Diligence Vendor-09/18/2025 | Qualifying FICO score is at least 20 points above minimum for program - - FICO of 783 exceeds guideline minimum of 680.<br>Months Reserves exceed minimum required - -19 months reserves exceed guideline minimum of 8 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 778755 | xxxxxx D B A | Closed | xxxxxx | 2022-10-01 12:29 | 2022-10-04 15:04 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - Missing xxxxxx credit report within 10 days of closing. Finding is deemed non material due to 783 fico , 5.73 months in additional reserves and .22 credit usage. Client waiver applied to non-material finding - Due Diligence Vendor-10/04/2022 |  | Waived-Borrower 1 Gap Credit Report is Missing - Missing xxxxxx credit report within 10 days of closing. Finding is deemed non material due to 783 fico , 5.73 months in additional reserves and .22 credit usage. Client waiver applied to non-material finding - Due Diligence Vendor-10/04/2022 | Qualifying FICO score is at least 20 points above minimum for program - - FICO of 783 exceeds guideline minimum of 680.<br>Months Reserves exceed minimum required - -19 months reserves exceed guideline minimum of 8 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778755 | xxxxxx D B A | Closed | xxxxxx | 2022-10-01 11:38 | 2022-10-04 09:18 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx No evidence hazard insurance was in place as of the note date. - Finding is deemed non-material as Disbursement date is xxxxxx. --Client waiver applied to non-material finding - Due Diligence Vendor-10/01/2022 |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx No evidence hazard insurance was in place as of the note date. - Finding is deemed non-material as Disbursement date is xxxxxx. --Client waiver applied to non-material finding - Due Diligence Vendor-10/01/2022 | Qualifying FICO score is at least 20 points above minimum for program - - FICO of 783 exceeds guideline minimum of 680.<br>Months Reserves exceed minimum required - -19 months reserves exceed guideline minimum of 8 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778755 | xxxxxx D B A | Closed | xxxxxx | 2022-10-01 12:32 | 2022-10-04 09:14 | Waived | 2 - Non-Material B | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Waived-All Interested Parties Not Checked with Exclusionary Lists All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. - Client waiver applied to non-material finding - Due Diligence Vendor-10/01/2022 |  | Waived-All Interested Parties Not Checked with Exclusionary Lists All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. - Client waiver applied to non-material finding - Due Diligence Vendor-10/01/2022 | Qualifying FICO score is at least 20 points above minimum for program - - FICO of 783 exceeds guideline minimum of 680.<br>Months Reserves exceed minimum required - -19 months reserves exceed guideline minimum of 8 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778759 | xxxxxx D B C A | Closed | xxxxxx | 2022-10-04 15:12 | 2025-09-18 10:02 | Waived | 2 - Non-Material C B | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Waived--Client waiver: The request for an exception to xxxxxx eligibility criteria is granted. <br> - Due Diligence Vendor-10/21/2022 <br> Counter--Client Response - VOM or LOX living rent free is not required if program is xxxxxx. We also got waived same condition before, please refer the xxxxxx. xxxxxx.<br> -(AUDIT RESPONSE): VOR required for FTHB and guidelines section 12.7. Finding to remain. - Due Diligence Vendor-10/17/2022 <br> Open-ATR: The Lender did not document all ATR Factors Missing VOM for 12 months for xxxxxx - Due Diligence Vendor-10/06/2022 |  | Waived--Client waiver: The request for an exception to xxxxxx eligibility criteria is granted<br> - Due Diligence Vendor-10/21/2022 | Qualifying FICO score is at least 20 points above minimum for program - FICO score is 744 which exceeds program guideline of 700<br>LTV is less than guideline maximum - 75% LTV is less than the program maximum of 80%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778759 | xxxxxx D B C A | Closed | xxxxxx | 2022-10-03 09:02 | 2022-10-21 09:52 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived--Client Waiver: The request for an exception to xxxxxx eligibility criteria is granted. <br> - Due Diligence Vendor-10/21/2022 <br> Counter--Client Response - VOM or LOX living rent free is not required if program is xxxxxx. We also got waived same condition before, please refer the xxxxxx. xxxxxx.<br> -(AUDIT RESPONSE): VOR required for FTHB and guidelines section 12.7. Finding to remain. - Due Diligence Vendor-10/17/2022 <br> Open-Housing History Does Not Meet Guideline Requirements - Missing VOM for 12 months for xxxxxx. Evidencing no more than 1x30x12. - Due Diligence Vendor-10/06/2022 |  | Waived--Client Waiver: The request for an exception to xxxxxx eligibility criteria is granted. <br> - Due Diligence Vendor-10/21/2022 | Qualifying FICO score is at least 20 points above minimum for program - FICO score is 744 which exceeds program guideline of 700<br>LTV is less than guideline maximum - 75% LTV is less than the program maximum of 80%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778759 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-28 16:14 | 2022-10-17 11:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Client provided Seller CD - Due Diligence Vendor-10/17/2022 <br>Open-Missing seller closing disclosure.<br> Statute of Limitations - One year - Due Diligence Vendor-10/11/2022 |  | Resolved-Client provided Seller CD - Due Diligence Vendor-10/17/2022 | Qualifying FICO score is at least 20 points above minimum for program - FICO score is 744 which exceeds program guideline of 700<br>LTV is less than guideline maximum - 75% LTV is less than the program maximum of 80%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778759 | xxxxxx D B C A | Closed | xxxxxx | 2022-10-06 17:01 | 2022-10-06 17:04 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Waived-1003 and LE in file are dated xxxxxx. Credit report in file appears to be the xxxxxx dated xxxxxx,. Loan Closed on xxxxxx. Considered non material due to audit being able to use the later report and within 3 weeks of 1003. Client waiver applied to non-material finding - Due Diligence Vendor-10/06/2022 <br> Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-10/06/2022 |  | Waived-1003 and LE in file are dated xxxxxx. Credit report in file appears to be the xxxxxx dated xxxxxx,. Loan Closed on xxxxxx. Considered non material due to audit being able to use the later report and within 3 weeks of 1003. Client waiver applied to non-material finding - Due Diligence Vendor-10/06/2022 | Qualifying FICO score is at least 20 points above minimum for program - FICO score is 744 which exceeds program guideline of 700<br>LTV is less than guideline maximum - 75% LTV is less than the program maximum of 80%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778759 | xxxxxx D B C A | Closed | xxxxxx | 2022-10-03 09:11 | 2022-10-04 15:06 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived-Asset 1 Less Than 2 Months Verified All GIFT funds, non-material<br> Client waiver applied to non-material finding - Due Diligence Vendor-10/04/2022 |  | Waived-Asset 1 Less Than 2 Months Verified All GIFT funds, non-material<br> Client waiver applied to non-material finding - Due Diligence Vendor-10/04/2022 | Qualifying FICO score is at least 20 points above minimum for program - FICO score is 744 which exceeds program guideline of 700<br>LTV is less than guideline maximum - 75% LTV is less than the program maximum of 80%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778759 | xxxxxx D B C A | Closed | xxxxxx | 2022-10-03 09:03 | 2022-10-04 15:04 | Waived | 2 - Non-Material B | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. <br> Client waiver applied to non-material finding - Due Diligence Vendor-10/03/2022 |  | Waived-All Interested Parties Not Checked with Exclusionary Lists - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower and Seller are present. <br> Client waiver applied to non-material finding - Due Diligence Vendor-10/03/2022 | Qualifying FICO score is at least 20 points above minimum for program - FICO score is 744 which exceeds program guideline of 700<br>LTV is less than guideline maximum - 75% LTV is less than the program maximum of 80%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778759 | xxxxxx D B C A | Closed | xxxxxx | 2022-10-03 08:32 | 2022-10-04 13:47 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - missing contract extension addendum<br> Client waiver applied to non-material finding - Due Diligence Vendor-10/03/2022 |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - missing contract extension addendum<br> Client waiver applied to non-material finding - Due Diligence Vendor-10/03/2022 | Qualifying FICO score is at least 20 points above minimum for program - FICO score is 744 which exceeds program guideline of 700<br>LTV is less than guideline maximum - 75% LTV is less than the program maximum of 80%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778759 | xxxxxx D B C A | Closed | xxxxxx | 2022-09-27 13:40 | 2022-09-28 16:03 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material finding - Due Diligence Vendor-09/27/2022 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material finding - Due Diligence Vendor-09/27/2022 | Qualifying FICO score is at least 20 points above minimum for program - FICO score is 744 which exceeds program guideline of 700<br>LTV is less than guideline maximum - 75% LTV is less than the program maximum of 80%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778789 | xxxxxx D B A | Closed | xxxxxx | 2022-10-06 13:00 | 2022-11-03 11:20 | Resolved | 1 - Information A | Compliance | Points & Fees | xxxxxx AB 489/344 Covered Loan Points and Fees Threshold Test | Resolved-Client provided PCCD xxxxxx - Due Diligence Vendor-10/19/2022 <br> Open-This loan failed the points and fees threshold test.<br> (xxxxxx AB 344 §1 [xxxxxx FC §4970(b)(1)(B)])<br> The total points and fees, as defined in the legislation, exceed 6% of the total loan amount, as defined in HOEPA (Section 32). - Due Diligence Vendor-10/06/2022 |  | Resolved-Client provided PCCD xxxxxx - Due Diligence Vendor-10/19/2022 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 780 is at least 20 points above minimum for program 660.<br>Qualifying DTI below maximum allowed - - Qualifying DTI 42.98% below maximum allowed 49.99%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778789 | xxxxxx D B A | Closed | xxxxxx | 2022-10-11 09:23 | 2022-11-02 10:27 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Waived--VOR in file reflects borrower and co-borrower (who reside together) from xxxxxx to present with 0 lates. While the file does not contain an Rent Free Letter, VOR does show account as current with no lates. Finding is deemed non-material. - Client waiver applied to non-material Finding. - Due Diligence Vendor-11/02/2022 <br> Open--1003 Co-Borrower living at current residence with no primary housing expense from past 1 year and 20 years prior to that. Per guideline, Borrowers that do not have the required housing payment history are still eligible to qualify for a purchase transaction of a primary residence so long as they are living rent free with a Relative and provide a Letter of explanation (LOE) executed by such Relative confirming that there is/was no monthly obligation. Provide explanation letter supporting no housing expense. - Due Diligence Vendor-10/11/2022 |  | Waived--VOR in file reflects borrower and co-borrower (who reside together) from xxxxxx to present with 0 lates. While the file does not contain an Rent Free Letter, VOR does show account as current with no lates. Finding is deemed non-material. - Client waiver applied to non-material Finding. - Due Diligence Vendor-11/02/2022 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 780 is at least 20 points above minimum for program 660.<br>Qualifying DTI below maximum allowed - - Qualifying DTI 42.98% below maximum allowed 49.99%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778789 | xxxxxx D B A | Closed | xxxxxx | 2022-10-10 17:34 | 2022-10-28 14:50 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved--Rec'd EMD receipt and copy of check in trailing docs. - Due Diligence Vendor-10/28/2022 <br>Counter--Client response: See attached final settlement statement. Borrower was credited the EMD back at closing, resulting in cash back to the borrower. After pulling $237,000 from their bank account, the borrower would have over $30,000 left in reserves<br> -(AUDIT RESPONSE) Missing evidence EMD of $38,700 was received by Title Company and/or these funds cleared borrower's bank account. Finding remains - Due Diligence Vendor-10/26/2022 <br>Counter--Received post-close CD however borrower is short funds ($5702.01) for 4 months reserves No evidence EMD of $37,800 cleared borrower's bank account - Due Diligence Vendor-10/19/2022 <br>Open-Total Qualified Assets Post-Close amount is '$-6542.88'. Assets are Insufficient. To close and short $-29,533.80 reserves. - Due Diligence Vendor-10/11/2022 |  | Resolved--Rec'd EMD receipt and copy of check in trailing docs. - Due Diligence Vendor-10/28/2022 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 780 is at least 20 points above minimum for program 660.<br>Qualifying DTI below maximum allowed - - Qualifying DTI 42.98% below maximum allowed 49.99%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778789 | xxxxxx D B A | Closed | xxxxxx | 2022-10-10 18:02 | 2022-10-28 14:49 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 4.35 month(s) are greater than or equal to Guideline Required Reserves of 4 month(s)-Rec'd EMD receipt and copy of check in trailing docs. - Due Diligence Vendor-10/28/2022 <br> Counter--Client response: See attached final settlement statement. Borrower was credited the EMD back at closing, resulting in cash back to the borrower. After pulling $237,000 from their bank account, the borrower would have over $30,000 left in reserves<br> -(AUDIT RESPONSE) Missing evidence EMD of $38,700 was received by Title Company and/or these funds cleared borrower's bank account. Finding remains - Due Diligence Vendor-10/26/2022 <br> Counter--Received post-close CD however borrower is short funds ($5702.01) for 4 months reserves No evidence EMD of $37,800 cleared borrower's bank account - Due Diligence Vendor-10/19/2022 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 4 month(s) - Audited Reserves of $-6,542.88 are less than Guideline Required Reserves of 4 month(s) and cash to close. Short total $-36,076.68. - Due Diligence Vendor-10/10/2022 |  | Resolved-Audited Reserves of 4.35 month(s) are greater than or equal to Guideline Required Reserves of 4 month(s)-Rec'd EMD receipt and copy of check in trailing docs. - Due Diligence Vendor-10/28/2022 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 780 is at least 20 points above minimum for program 660.<br>Qualifying DTI below maximum allowed - - Qualifying DTI 42.98% below maximum allowed 49.99%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778789 | xxxxxx D B A | Closed | xxxxxx | 2022-10-06 12:40 | 2022-10-20 12:51 | Resolved | 1 - Information D A | Compliance | Missing Doc | ARM Disclosure is Missing | Resolved-ARM Disclosure is Present or Not Applicable - Due Diligence Vendor-10/20/2022 <br> Open-ARM Disclosure is Missing Initial ARM Disclosure dated within 3 days of application date of xxxxxx is missing. Statute of Limitations - one year. - Due Diligence Vendor-10/06/2022 |  | Resolved-ARM Disclosure is Present or Not Applicable - Due Diligence Vendor-10/20/2022 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 780 is at least 20 points above minimum for program 660.<br>Qualifying DTI below maximum allowed - - Qualifying DTI 42.98% below maximum allowed 49.99%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778789 | xxxxxx D B A | Closed | xxxxxx | 2022-10-06 12:40 | 2022-10-20 12:51 | Resolved | 1 - Information D A | Compliance | Missing Doc | CHARM Booklet is Missing | Resolved-Client provided CHARM booklet xxxxxx. - Due Diligence Vendor-10/19/2022 <br> Open-CHARM Booklet is Missing within 3 days of application date of xxxxxx- Statute of Limitations - one year. - Due Diligence Vendor-10/06/2022 |  | Resolved-Client provided CHARM booklet xxxxxx. - Due Diligence Vendor-10/19/2022 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 780 is at least 20 points above minimum for program 660.<br>Qualifying DTI below maximum allowed - - Qualifying DTI 42.98% below maximum allowed 49.99%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778789 | xxxxxx D B A | Closed | xxxxxx | 2022-10-06 12:53 | 2022-10-19 10:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Client provided LE xxxxxx - Due Diligence Vendor-10/19/2022 <br> Open-Missing Initial Loan Estimate issued within 3 days of application date of xxxxxx per Intent to Proceed with Application (LE). Statute of Limitations - One year - Due Diligence Vendor-10/12/2022 |  | Resolved-Client provided LE xxxxxx - Due Diligence Vendor-10/19/2022 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 780 is at least 20 points above minimum for program 660.<br>Qualifying DTI below maximum allowed - - Qualifying DTI 42.98% below maximum allowed 49.99%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778789 | xxxxxx D B A | Closed | xxxxxx | 2022-10-10 22:01 | 2022-10-19 09:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Partially Provided | Resolved-Flood Certificate is fully present - Received legible copy of the flood cert. - Due Diligence Vendor-10/19/2022 <br>Open-Flood Certificate is Partially Provided - Provide clear legible uncorrupted copy of flood cert. - Due Diligence Vendor-10/11/2022 |  | Resolved-Flood Certificate is fully present - Received legible copy of the flood cert. - Due Diligence Vendor-10/19/2022 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 780 is at least 20 points above minimum for program 660.<br>Qualifying DTI below maximum allowed - - Qualifying DTI 42.98% below maximum allowed 49.99%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 778789 | xxxxxx D B A | Closed | xxxxxx | 2022-10-10 17:34 | 2022-10-10 21:59 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived-Asset 1 Less Than 2 Months Verified - Guideline require 2 months bank statements. File contain xxxxxx account one month Bank Statement.<br> Client waiver applied to non-material finding - Due Diligence Vendor-10/10/2022 |  | Waived-Asset 1 Less Than 2 Months Verified - Guideline require 2 months bank statements. File contain xxxxxx account one month Bank Statement.<br> Client waiver applied to non-material finding - Due Diligence Vendor-10/10/2022 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 780 is at least 20 points above minimum for program 660.<br>Qualifying DTI below maximum allowed - - Qualifying DTI 42.98% below maximum allowed 49.99%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778789 | xxxxxx D B A | Closed | xxxxxx | 2022-10-10 16:59 | 2022-10-10 21:56 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Considered non-material due to Borrower, Seller(s) are present.<br> Client waiver applied to non-material finding<br> - Due Diligence Vendor-10/10/2022 |  | Waived-OFAC Check Not Completed and/or Cleared - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Considered non-material due to Borrower, Seller(s) are present.<br> Client waiver applied to non-material finding<br> - Due Diligence Vendor-10/10/2022 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 780 is at least 20 points above minimum for program 660.<br>Qualifying DTI below maximum allowed - - Qualifying DTI 42.98% below maximum allowed 49.99%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778789 | xxxxxx D B A | Closed | xxxxxx | 2022-10-10 16:47 | 2022-10-10 21:55 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Waived-Borrower 2 Gap Credit Report is Missing - Provide xxxxxx credit report for Co-Borrower. Considered non-material due to DTI 42.97% with max 49.99%.<br> Client waiver applied to non-material finding - Due Diligence Vendor-10/10/2022 |  | Waived-Borrower 2 Gap Credit Report is Missing - Provide xxxxxx credit report for Co-Borrower. Considered non-material due to DTI 42.97% with max 49.99%.<br> Client waiver applied to non-material finding - Due Diligence Vendor-10/10/2022 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 780 is at least 20 points above minimum for program 660.<br>Qualifying DTI below maximum allowed - - Qualifying DTI 42.98% below maximum allowed 49.99%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778789 | xxxxxx D B A | Closed | xxxxxx | 2022-10-06 12:40 | 2022-10-06 13:43 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material finding <br> - Due Diligence Vendor-10/06/2022 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material finding <br> - Due Diligence Vendor-10/06/2022 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 780 is at least 20 points above minimum for program 660.<br>Qualifying DTI below maximum allowed - - Qualifying DTI 42.98% below maximum allowed 49.99%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 778924 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 779171 | xxxxxx C A | Closed | xxxxxx | 2022-12-19 12:01 | 2022-12-20 07:17 | Resolved | 1 - Information C A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved--Upon further review, supporting documentation in file at time of initial review - Due Diligence Vendor-12/20/2022 <br> Open--Property detail report , title and tax document reflect current owner xxxxxx since xxxxxx. However, Quit claim deed reflect transfer of ownership to Borrower on xxxxxx. Subject transaction cash out refinance. <br> Provide documentation to support Borrower affiliation and ownership interest in xxxxxx to satisfy both seasoning requirement of 6 months and housing history 0x30x12 months per the guidelines. Additional conditions may apply upon review. - Due Diligence Vendor-12/19/2022 |  | Resolved--Upon further review, supporting documentation in file at time of initial review - Due Diligence Vendor-12/20/2022 | Qualifying DTI below maximum allowed - - Qualifying DTI 28% below maximum allowed 50%.<br>Months Reserves exceed minimum required - - Months Reserves 87 exceed minimum required 6. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 779606 | xxxxxx D B A | Closed | xxxxxx | 2022-10-17 09:06 | 2022-11-09 14:40 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendor-11/09/2022 <br>Open-The Business Purpose Affidavit Disclosure is Missing - Missing business purpose affidavit. <br> - Documentation supports loan being an investment property, not for personal use.<br> - Due Diligence Vendor-10/17/2022 |  | Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendor-11/09/2022 | Qualifying FICO score is at least 20 points above minimum for program - Credit score of 778 exceeds the guideline minimum of 680. <br>Months Reserves exceed minimum required - 55 months reserves exceeds the guideline minimum of 6 months plus P&I for financed REOs. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 779606 | xxxxxx D B A | Closed | xxxxxx | 2022-10-17 10:36 | 2022-11-08 10:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Received updated fraud report - Due Diligence Vendor-11/08/2022 <br> Counter--Received updated Fraud Report however, underwriter xxxxxx is still not included. Finding remains - Due Diligence Vendor-10/31/2022 <br> Open-Third Party Fraud Report Partially Provided - Loan Officers, underwriting and Real Estate Agents not included on the Fraud report - Due Diligence Vendor-10/17/2022 |  | Resolved-Third Party Fraud Report is fully present - Received updated fraud report - Due Diligence Vendor-11/08/2022 | Qualifying FICO score is at least 20 points above minimum for program - Credit score of 778 exceeds the guideline minimum of 680. <br>Months Reserves exceed minimum required - 55 months reserves exceeds the guideline minimum of 6 months plus P&I for financed REOs. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 779606 | xxxxxx D B A | Closed | xxxxxx | 2022-10-17 15:05 | 2022-11-02 09:21 | Resolved | 1 - Information C A | Credit | Eligibility | Escrow waiver guidelines were not met | Resolved--Received confirmation that intent of guideline to allow waiver of escrow if purpose is investment with a credit score note below 720. - Due Diligence Vendor-11/02/2022 <br> Counter--Received snip of guidelines that for investment and FICO < 720, tax and insurance must be impounded. Escrow waiver not allowed per GL - Due Diligence Vendor-10/24/2022 <br> Open--Escrow waiver not allowed per GL- Investment & FICO <720: tax and insurance must be impounded. - Due Diligence Vendor-10/17/2022 |  | Resolved--Received confirmation that intent of guideline to allow waiver of escrow if purpose is investment with a credit score note below 720. - Due Diligence Vendor-11/02/2022 | Qualifying FICO score is at least 20 points above minimum for program - Credit score of 778 exceeds the guideline minimum of 680. <br>Months Reserves exceed minimum required - 55 months reserves exceeds the guideline minimum of 6 months plus P&I for financed REOs. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 779606 | xxxxxx D B A | Closed | xxxxxx | 2022-10-17 10:17 | 2022-11-01 13:50 | 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 documentation - Due Diligence Vendor-11/01/2022 <br> Counter--Received HOI policy for xxxxxx with premium matching amount on 1003. Received Property Detail Report for xxxxxx and xxxxxx noting both are single family residences with no HOA. Missing evidence of HOA for primary xxxxxx. - Due Diligence Vendor-10/24/2022 <br> Open--Material DTI 49.81% - Missing hazard insurance statement for xxxxxx property. Missing HOA verification for xxxxxx and xxxxxx properties as well as the primary xxxxxx. <br> - Due Diligence Vendor-10/17/2022 |  | Resolved--Received all required documentation - Due Diligence Vendor-11/01/2022 | Qualifying FICO score is at least 20 points above minimum for program - Credit score of 778 exceeds the guideline minimum of 680. <br>Months Reserves exceed minimum required - 55 months reserves exceeds the guideline minimum of 6 months plus P&I for financed REOs. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 779606 | xxxxxx D B A | Closed | xxxxxx | 2022-10-17 10:45 | 2022-10-17 15:26 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived-Asset 1 Less Than 2 Months Verified File contains only 1 month bank statement for xxxxxx account xxxxxx. Two months are required per guides.<br> Client waiver applied to non-material finding - Due Diligence Vendor-10/17/2022 |  | Waived-Asset 1 Less Than 2 Months Verified File contains only 1 month bank statement for xxxxxx account xxxxxx. Two months are required per guides.<br> Client waiver applied to non-material finding - Due Diligence Vendor-10/17/2022 | Qualifying FICO score is at least 20 points above minimum for program - Credit score of 778 exceeds the guideline minimum of 680. <br>Months Reserves exceed minimum required - 55 months reserves exceeds the guideline minimum of 6 months plus P&I for financed REOs. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 779606 | xxxxxx D B A | Closed | xxxxxx | 2022-10-17 15:01 | 2022-10-17 15:01 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Considered non-material due to final CD disbursement date xxxxxx.<br> Client waiver applied to non-material finding - Due Diligence Vendor-10/17/2022 |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Considered non-material due to final CD disbursement date xxxxxx.<br> Client waiver applied to non-material finding - Due Diligence Vendor-10/17/2022 | Qualifying FICO score is at least 20 points above minimum for program - Credit score of 778 exceeds the guideline minimum of 680. <br>Months Reserves exceed minimum required - 55 months reserves exceeds the guideline minimum of 6 months plus P&I for financed REOs. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 779606 | xxxxxx D B A | Closed | xxxxxx | 2022-10-17 09:37 | 2022-10-17 14:55 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Client waiver applied to non-material finding - Due Diligence Vendor-10/17/2022 |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Client waiver applied to non-material finding - Due Diligence Vendor-10/17/2022 | Qualifying FICO score is at least 20 points above minimum for program - Credit score of 778 exceeds the guideline minimum of 680. <br>Months Reserves exceed minimum required - 55 months reserves exceeds the guideline minimum of 6 months plus P&I for financed REOs. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 779621 | xxxxxx D B A | Closed | xxxxxx | 2022-10-17 15:12 | 2022-11-08 11:51 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved--Received corrected 1003 - Due Diligence Vendor-11/08/2022 <br> Counter--Received EAD card which has already been reviewed. Provide 1003 with Citizenship corrected to Non-Permanent Resident Alien - Due Diligence Vendor-11/02/2022 <br> Counter-(AUDIT RESONSE) Received 1003 showing borrower is a permanent resident however no permanent resident card was provided. Only an EAD card was provided which does not satisfy the requirement for perm resident. If borrower is a non-permanent resident then the 1003 must be corrected to reflect this. - Due Diligence Vendor-10/25/2022 <br> Counter-- Received EA card and 1003 reflecting Citizenship status-Permanent Resident Alien. However, does not meet guideline :Non-Permanent Resident Aliens must have an EAD card with a minimum of 90 days remaining at the time of funding. <br> Permanent Resident Aliens are eligible provided that the borrower must be a natural person. - Due Diligence Vendor-10/24/2022 <br> Open-Provide updated 1003 with correct Citizenship status. 1003- in file reflect Permanent resident Alien. But, no PR card provided to support citizenship status. Also, received valid Employment authorization card for xxxxxx borrower appears to be non-Permanent resident Alien - Due Diligence Vendor-10/17/2022 |  | Resolved--Received corrected 1003 - Due Diligence Vendor-11/08/2022 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 738 is at least 20 points above minimum for program 660.<br>Qualifying DTI below maximum allowed - Qualifying DTI 31.35% below maximum allowed 49.99%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 779621 | xxxxxx D B A | Closed | xxxxxx | 2022-10-13 17:53 | 2022-11-08 09:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Received updated fraud report - Due Diligence Vendor-11/08/2022 <br> Counter--Received updated Fraud Report however, Underwriter xxxxxx not included. Finding remains - Due Diligence Vendor-10/31/2022 <br> Open-Third Party Fraud Report Partially Provided - Real Estate Agents and underwriting not included on the Fraud report. - Due Diligence Vendor-10/13/2022 |  | Resolved-Third Party Fraud Report is fully present - Received updated fraud report - Due Diligence Vendor-11/08/2022 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 738 is at least 20 points above minimum for program 660.<br>Qualifying DTI below maximum allowed - Qualifying DTI 31.35% below maximum allowed 49.99%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 779621 | xxxxxx D B A | Closed | xxxxxx | 2022-10-13 18:06 | 2022-10-25 11:56 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved--Tax preparer letter dated within 30 days of closing. - Due Diligence Vendor-10/25/2022 <br>Open-ATR: The Lender did not document all ATR Factors - Missing business phone verified or business license.<br> - Due Diligence Vendor-10/13/2022 |  | Resolved--Tax preparer letter dated within 30 days of closing. - Due Diligence Vendor-10/25/2022 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 738 is at least 20 points above minimum for program 660.<br>Qualifying DTI below maximum allowed - Qualifying DTI 31.35% below maximum allowed 49.99%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 779621 | xxxxxx D B A | Closed | xxxxxx | 2022-10-13 18:04 | 2022-10-25 11:00 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived--Tax preparer dated within 30 days of closing states business is open and operating. Finding is deemed non material. Client waiver applied to non-material finding. - Due Diligence Vendor-10/25/2022 <br>Open-Income and Employment Do Not Meet Guidelines - Missing required business license or business phone number verified via Google Search, 411.com or internet. (Audit reviewed tax preparer letter supporting 2 years of self employment and 100% ownership of business) . <br>- Due Diligence Vendor-10/13/2022 |  | Waived--Tax preparer dated within 30 days of closing states business is open and operating. Finding is deemed non material. Client waiver applied to non-material finding. - Due Diligence Vendor-10/25/2022 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 738 is at least 20 points above minimum for program 660.<br>Qualifying DTI below maximum allowed - Qualifying DTI 31.35% below maximum allowed 49.99%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 779621 | xxxxxx D B A | Closed | xxxxxx | 2022-10-13 15:21 | 2022-10-25 10:40 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-10/25/2022 <br> Open-Title Coverage Amount of $0 is Less than Total Amount of Subject Lien(s) of xxxxxx. - Missing evidence of lender coverage amount. - Due Diligence Vendor-10/17/2022 |  | Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-10/25/2022 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 738 is at least 20 points above minimum for program 660.<br>Qualifying DTI below maximum allowed - Qualifying DTI 31.35% below maximum allowed 49.99%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 779621 | xxxxxx D B A | Closed | xxxxxx | 2022-10-12 13:27 | 2022-10-12 13:59 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material finding - Due Diligence Vendor-10/12/2022 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material finding - Due Diligence Vendor-10/12/2022 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 738 is at least 20 points above minimum for program 660.<br>Qualifying DTI below maximum allowed - Qualifying DTI 31.35% below maximum allowed 49.99%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780148 | xxxxxx D B A | Closed | xxxxxx | 2022-12-06 13:43 | 2025-09-22 09:46 | Resolved | 1 - Information C A | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Resolved--Client response: I have the attached revised Appraisal report. Neighborhood location characteristic changed from xxxxxx to xxxxxx.<br> - Received corrected appraisal including appraiser comment regarding change - Due Diligence Vendor-12/13/2022 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program - Rural properties are ineligible. - Due Diligence Vendor-12/06/2022 |  | Resolved--Client response: I have the attached revised Appraisal report. Neighborhood location characteristic changed from xxxxxx to xxxxxx.<br> - Received corrected appraisal including appraiser comment regarding change - Due Diligence Vendor-12/13/2022 | Qualifying DTI below maximum allowed - - DTI is 7.93% below 43% max allowed<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 84 points above minimum required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780148 | xxxxxx D B A | Closed | xxxxxx | 2022-12-09 10:34 | 2022-12-14 12:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Income) | Resolved--Received LOE stating no impact to business income/viability - Due Diligence Vendor-12/14/2022 <br> Open-Letter of explanation to address borrowers ability to operate business as borrower is relocating from xxxxxx and that the move will have no impact on borrower income. - Due Diligence Vendor-12/09/2022 |  | Resolved--Received LOE stating no impact to business income/viability - Due Diligence Vendor-12/14/2022 | Qualifying DTI below maximum allowed - - DTI is 7.93% below 43% max allowed<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 84 points above minimum required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780148 | xxxxxx D B A | Closed | xxxxxx | 2022-12-08 12:21 | 2022-12-13 10:25 | Resolved | 1 - Information D A | Property | Missing Doc | Missing Appraisal photos | Resolved--Received appraisal and completion report with color photos - Due Diligence Vendor-12/13/2022 <br>Open-Appraisal does not contain color photos as required by guidelines. - Due Diligence Vendor-12/08/2022 |  | Resolved--Received appraisal and completion report with color photos - Due Diligence Vendor-12/13/2022 | Qualifying DTI below maximum allowed - - DTI is 7.93% below 43% max allowed<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 84 points above minimum required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780148 | xxxxxx D B A | Closed | xxxxxx | 2022-12-06 13:15 | 2022-12-08 08:50 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Property Tax Cert Provided - Due Diligence Vendor-12/08/2022 <br>Open-Missing Property Tax Cert - Property Tax Cert not provided. - Due Diligence Vendor-12/06/2022 |  | Resolved-Property Tax Cert Provided - Due Diligence Vendor-12/08/2022 | Qualifying DTI below maximum allowed - - DTI is 7.93% below 43% max allowed<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 84 points above minimum required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780148 | xxxxxx D B A | Closed | xxxxxx | 2022-12-06 13:43 | 2022-12-06 15:23 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Waiver applied to non-material finding - Contract extension not provided. - Due Diligence Vendor-12/06/2022 |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Waiver applied to non-material finding - Contract extension not provided. - Due Diligence Vendor-12/06/2022 | Qualifying DTI below maximum allowed - - DTI is 7.93% below 43% max allowed<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 84 points above minimum required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780178 | xxxxxx C A | Closed | xxxxxx | 2022-11-10 14:38 | 2022-11-14 10:07 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Purchase Contract is not partially provided. - Received purchase agreement addendum correcting sales price. - Due Diligence Vendor-11/14/2022 <br> Open-Contracts states Purchase price is xxxxxx. CD/1008 and title report it as xxxxxx. Provide updated addendum showing correct purchase price - Due Diligence Vendor-11/10/2022 |  | Resolved-Purchase Contract is not partially provided. - Received purchase agreement addendum correcting sales price. - Due Diligence Vendor-11/14/2022 | Qualifying FICO score is at least 20 points above minimum for program - - FICO 738 exceeds minimum required 660.<br>Months Reserves exceed minimum required - -19 months reserves exceeds minimum required of 6 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780178 | xxxxxx C A | Closed | xxxxxx | 2022-11-09 19:30 | 2022-11-14 10:05 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved--Received PCCD xxxxxx with updated data moving Title Endorsement Fee from Section B to Section C. Finding resolved - Due Diligence Vendor-11/14/2022 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $50.00.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). Title Endorsement fee increased from $0 on the initial LE: xxxxxx to $75 on CD: xxxxxx. Please provide a valid change of circumstance for the $75 increase or evidence of refund in the amount $75 no later than 60 calendar days after consummation date of xxxxxx.<br> Statute of Limitations - Three years - Due Diligence Vendor-11/10/2022 |  | Resolved--Received PCCD xxxxxx with updated data moving Title Endorsement Fee from Section B to Section C. Finding resolved - Due Diligence Vendor-11/14/2022 | Qualifying FICO score is at least 20 points above minimum for program - - FICO 738 exceeds minimum required 660.<br>Months Reserves exceed minimum required - -19 months reserves exceeds minimum required of 6 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780200 | xxxxxx D B A | Closed | xxxxxx | 2023-01-05 13:38 | 2023-01-12 09:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved--Received amended title showing items omitted - Due Diligence Vendor-01/12/2023 <br> Open-Title Document is Incomplete - Title dated xxxxxx expired as max allowed 120 days from the Note date. Provide complete title commitment with 24 month chain of title; proposed insured amount. - Due Diligence Vendor-01/05/2023 |  | Resolved--Received amended title showing items omitted - Due Diligence Vendor-01/12/2023 | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 735 is at least 20 points above minimum for program 680.<br>Qualifying DTI below maximum allowed - - Qualifying DTI 38% below maximum allowed 50%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780200 | xxxxxx D B A | Closed | xxxxxx | 2023-01-10 06:37 | 2023-01-12 09:16 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-01/12/2023 <br>Open--NEW - Provide clear Title showing Schedule B items #9, 10 and 11 have been cleared and removed - Due Diligence Vendor-01/10/2023 |  | Resolved-Property Title Issue Resolved - Due Diligence Vendor-01/12/2023 | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 735 is at least 20 points above minimum for program 680.<br>Qualifying DTI below maximum allowed - - Qualifying DTI 38% below maximum allowed 50%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780200 | xxxxxx D B A | Closed | xxxxxx | 2023-01-05 14:21 | 2023-01-09 07:16 | Resolved | 1 - Information B A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved--Received GAP report for both borrowers - Due Diligence Vendor-01/09/2023 <br>Open-Borrower 1 Gap Credit Report is Missing - Per guideline a gap credit for both borrowers or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or any time after closing for both Borrower and Co-Borrower. DTI 38%, therefore considered non material - Due Diligence Vendor-01/05/2023 |  | Resolved--Received GAP report for both borrowers - Due Diligence Vendor-01/09/2023 | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 735 is at least 20 points above minimum for program 680.<br>Qualifying DTI below maximum allowed - - Qualifying DTI 38% below maximum allowed 50%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780200 | xxxxxx D B A | Closed | xxxxxx | 2023-01-05 14:21 | 2023-01-05 17:23 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements -1003 reflect Borrower has no primary housing expense. Borrower explanation letter in file indicate rent paid in cash. Lease in file. Exception in file for Unable to obtain VOR and paid cash for rent with no receipts available. Exception in file approved by the Client. - Due Diligence Vendor-01/05/2023 |  | Waived-Housing History Does Not Meet Guideline Requirements -1003 reflect Borrower has no primary housing expense. Borrower explanation letter in file indicate rent paid in cash. Lease in file. Exception in file for Unable to obtain VOR and paid cash for rent with no receipts available. Exception in file approved by the Client. - Due Diligence Vendor-01/05/2023 | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 735 is at least 20 points above minimum for program 680.<br>Qualifying DTI below maximum allowed - - Qualifying DTI 38% below maximum allowed 50%. | -Credit Score 30+ points > minimum required<br> - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780200 | xxxxxx D B A | Closed | xxxxxx | 2023-01-03 12:56 | 2023-01-05 08:35 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing - Client waiver applied to non-material Findings - Due Diligence Vendor-01/05/2023 |  | Waived-Required Affiliated Business Disclosure Missing - Client waiver applied to non-material Findings - Due Diligence Vendor-01/05/2023 | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 735 is at least 20 points above minimum for program 680.<br>Qualifying DTI below maximum allowed - - Qualifying DTI 38% below maximum allowed 50%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780221 | xxxxxx B A | Closed | xxxxxx | 2022-10-26 17:19 | 2022-10-27 09:02 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - Non material DTI 25%<br> Client waiver applied to non-material finding - Due Diligence Vendor-10/27/2022 |  | Waived-Borrower 1 Gap Credit Report is Missing - Non material DTI 25%<br> Client waiver applied to non-material finding - Due Diligence Vendor-10/27/2022 | Months Reserves exceed minimum required - -50 months reserves exceeds required 12 months.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO of 797 exceeds required 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780309 | xxxxxx B A | Closed | xxxxxx | 2022-10-26 17:45 | 2022-10-28 11:11 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - Non material due to DTI of 33% with max of 49%.<br> Client waiver applied to non-material finding - Due Diligence Vendor-10/28/2022 |  | Waived-Borrower 1 Gap Credit Report is Missing - Non material due to DTI of 33% with max of 49%.<br> Client waiver applied to non-material finding - Due Diligence Vendor-10/28/2022 | Months Reserves exceed minimum required - -13 months reserves exceeds the 12 months required.<br>Qualifying DTI below maximum allowed - - DTI of 33% below max allowed of 49%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780552 | xxxxxx D B A | Closed | xxxxxx | 2022-12-06 15:06 | 2025-09-20 17:34 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-audit used co mingled income and therefore, all documentation received - Due Diligence Vendor-12/30/2022 <br> Counter--Client provided LOE which does not meet requirement guidelines<br>-(AUDIT RESPONSE) - Subject loan closed using 12 months personal bank statements xxxxxx for income qualifying. Guidelines require when using personal bank statements xxxxxx, borrower must provide 2 months business banks statements xxxxxx showing business funds being transfer to personal account xxxxxx used for income qualifying. There are no deposits into personal account xxxxxx from business account xxxxxx to meet this requirement. IF unable to provide evidence of business account transfer deposits into personal account, income will be recalculated using the Co-Mingled guidelines and a 50% expense factor will be applied.<br> - Due Diligence Vendor-12/29/2022 <br> Counter--Received one month statement from xxxxxx. When using Personal Bank Statement for income, the personal statements must reflect (1) Evidence of activity to support business operations (2) Reflect transfers from business account to personal account. The personal bank statements do not reflect any activity from the business account xxxxxx. IF utilizing the Business and Co-mingled bank statement program, a 50% expense factor is to be applied. (Assets/deposit portion of Finding has been resolved) Finding remains - Due Diligence Vendor-12/19/2022 <br> Counter--Client response: 1) the transfer of funds between the borrowers business account to his personal account, we have the business bank statements showing multiple transfers between the business account and his personal account. They all have different transaction or reference numbers and/or descriptions, mostly starting with xxxxxx. 2) $60,000 deposit is showing it was a transfer from checking xxxxxxxxx and $14,456.11 deposit is sourced on the bank stmt with the description. <br> -(AUDIT RESPONSE) A (1) Deposit for $60,000 is a transfer from personal account xxxxxx however, corresponding account not provided (2) Deposit for $14,456.11 states 'Rpt Credit form Bill.com Ref xxxxxx with no explanation as to what this is, source unknown. <br> B (1) The xxxxxx deposits into personal acct xxxxxx are from personal account xxxxxx. There are no transfer deposits from Business account xxxxxx. (2) Missing xxxxxx statement from 9/14/22 to 10/14/22 to complete the most recent 12 month consecutive statements. Finding remains - Due Diligence Vendor-12/08/2022 <br> Open-ATR: The Lender did not document all ATR Factors -1. Borrower is using 12 months personal bank statements to qualify however no evidence was provided showing funds being transferred from the business account for xxxxxx to personal account xxxxxx. 2. Missing xxxxxx statement from 9/14/22 to 10/14/22 to complete the most recent 12 month consecutive statements. 3. Missing source of xxxxxx deposits on 11/17/22 of $60,000 and xxxxxx 9/1/22 $14,456.11. - Due Diligence Vendor-12/06/2022 |  | Resolved-audit used co mingled income and therefore, all documentation received - Due Diligence Vendor-12/30/2022 | Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income 4,994.37.<br>Months Reserves exceed minimum required - -13.14 months reserves exceeds minimum required 6 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780552 | xxxxxx D B A | Closed | xxxxxx | 2022-12-06 15:06 | 2025-09-20 17:34 | Resolved | 1 - Information C A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-12/30/2022 <br>Open-The Originator QM Status of 'Non-QM: Lender documented all ATR UW factors' is not the same as the Final QM Status of 'ATR Risk: Non-QM Lender did not document all ATR UW Factors'. - Due Diligence Vendor-12/06/2022 |  | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-12/30/2022 | Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income 4,994.37.<br>Months Reserves exceed minimum required - -13.14 months reserves exceeds minimum required 6 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780552 | xxxxxx D B A | Closed | xxxxxx | 2022-12-30 16:31 | 2023-01-04 15:25 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived--Client Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Reserves exceed requirement by 6 months or more / Compensating Factor 2 - Residual income more than 1.5x the amount required by guidelines<br> - Due Diligence Vendor-01/04/2023 <br> Open-Audited DTI of 58.2% exceeds Guideline DTI of 50% Borrower averages 23,898.70 in monthly income. Using the co-mingled method at 50% expense factor, Audit used 11.949.3 which results in a 58.20 DTI - Due Diligence Vendor-01/03/2023 |  | Waived--Client Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Reserves exceed requirement by 6 months or more / Compensating Factor 2 - Residual income more than 1.5x the amount required by guidelines<br> - Due Diligence Vendor-01/04/2023 | Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income 4,994.37.<br>Months Reserves exceed minimum required - -13.14 months reserves exceeds minimum required 6 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780552 | xxxxxx D B A | Closed | xxxxxx | 2022-12-06 13:36 | 2022-12-30 16:47 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Audit used 50% expense factor for co mingled , therefore, bank statement not required. - Due Diligence Vendor-12/30/2022 <br> Counter--Client provided LOE which does not meet requirement guidelines<br>-(AUDIT RESPONSE) - Subject loan closed using 12 months personal bank statements xxxxxx for income qualifying. Guidelines require when using personal bank statements xxxxxx, borrower must provide 2 months business banks statements xxxxxx showing business funds being transfer to personal account xxxxxx used for income qualifying. There are no deposits into personal account xxxxxx from business account xxxxxx to meet this requirement. IF unable to provide evidence of business account transfer deposits into personal account, income will be recalculated using the Co-Mingled guidelines and a 50% expense factor will be applied.<br> - Due Diligence Vendor-12/29/2022 <br> Counter--Received one month statement from xxxxxx. When using Personal Bank Statement for income, the personal statements must reflect (1) Evidence of activity to support business operations (2) Reflect transfers from business account to personal account. The personal bank statements do not reflect any activity from the business account xxxxxx. IF utilizing the Business and Co-mingled bank statement program, a 50% expense factor is to be applied. Finding remains - Due Diligence Vendor-12/19/2022 <br> Counter--Client Response: 1) we have the business bank statements showing multiple transfers between the business account and his personal account. They all have different transaction or reference numbers and/or descriptions, mostly starting with xxxxxx. <br> -(AUDIT RESPONSE) (1) The xxxxxx deposits into personal acct xxxxxx are from personal account xxxxxx. There are no transfer deposits from Business account xxxxxx. (2) Missing xxxxxx statement from xxxxxx to complete the most recent 12 month consecutive statements. Finding remains - Due Diligence Vendor-12/08/2022 <br> Open-Income and Employment Do Not Meet Guidelines -1. Borrower is using 12 months personal bank statements to qualify however no evidence was provided showing funds being transferred from the business account for xxxxxx to personal account xxxxxx. 2. Missing xxxxxx statement from 9/14/22 to 10/14/22 to complete the most recent 12 month consecutive statements. - Due Diligence Vendor-12/06/2022 |  | Resolved-Audit used 50% expense factor for co mingled , therefore, bank statement not required. - Due Diligence Vendor-12/30/2022 | Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income 4,994.37.<br>Months Reserves exceed minimum required - -13.14 months reserves exceeds minimum required 6 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780552 | xxxxxx D B A | Closed | xxxxxx | 2022-12-06 13:36 | 2022-12-30 16:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved--Received worksheet - Due Diligence Vendor-12/08/2022 <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Worksheet missing to support lender income showing on 1003 of $25,869.67. - Due Diligence Vendor-12/06/2022 |  | Resolved--Received worksheet - Due Diligence Vendor-12/08/2022 | Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income 4,994.37.<br>Months Reserves exceed minimum required - -13.14 months reserves exceeds minimum required 6 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780552 | xxxxxx D B A | Closed | xxxxxx | 2022-12-06 13:54 | 2022-12-29 08:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/29/2022 <br> Open-Missing gap credit report dated no more than 10 days prior to closing date or any time after closing date of xxxxxx. - Due Diligence Vendor-12/20/2022 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/29/2022 | Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income 4,994.37.<br>Months Reserves exceed minimum required - -13.14 months reserves exceeds minimum required 6 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780552 | xxxxxx D B A | Closed | xxxxxx | 2022-12-06 14:24 | 2022-12-19 11:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved--Received supporting documentation for large deposits - Due Diligence Vendor-12/19/2022 <br> Counter--All items not addressed. xxxxxx Deposit for $60,000on 11/17/22 is a transfer from personal account xxxxxx however account not provided for this date. If this deposit cannot be sourced, it will be removed from the assets, and borrower will be short funds to close. Finding remains. - Due Diligence Vendor-12/15/2022 <br> Counter--Client response: Deposit for $60,000 was a transfer and $14,456.11 is sourced with the description on the bank stmt. <br> -(AUDIT RESPONSE) (1) Deposit for $60,000 is a transfer from personal account xxxxxx however, corresponding account not provided (2) Deposit for $14,456.11 states 'Rpt Credit form Bill.com Ref xxxxxx with no explanation as to what this is, source unknown. Finding remains - Due Diligence Vendor-12/08/2022 <br> Open--xxxxxx 11/17/22 of $60,000 and xxxxxx 9/1/22 $14,456.11 - Due Diligence Vendor-12/06/2022 |  | Resolved--Received supporting documentation for large deposits - Due Diligence Vendor-12/19/2022 | Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income 4,994.37.<br>Months Reserves exceed minimum required - -13.14 months reserves exceeds minimum required 6 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780552 | xxxxxx D B A | Closed | xxxxxx | 2022-12-05 08:20 | 2022-12-12 16:47 | Resolved | 1 - Information B A | Compliance | ComplianceEase | Seller Contribution Alert | Resolved--Total seller credit $17,600. Final CD page 2 Section A $1609.33 + page 3 $15,990.67 = $17,600 - Due Diligence Vendor-12/12/2022 <br> Open-Seller Credit is stated as $15,990.67 on the Final CD issued xxxxxx. Seller's CD and Settlement Statement state the seller credit as $17,600.00. Statute of Limitations - three years. - Due Diligence Vendor-12/05/2022 |  | Resolved--Total seller credit $17,600. Final CD page 2 Section A $1609.33 + page 3 $15,990.67 = $17,600 - Due Diligence Vendor-12/12/2022 | Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income 4,994.37.<br>Months Reserves exceed minimum required - -13.14 months reserves exceeds minimum required 6 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780552 | xxxxxx D B A | Closed | xxxxxx | 2022-12-05 08:03 | 2022-12-06 15:00 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. - Client waiver applied to non-material finding. - Due Diligence Vendor-12/06/2022 |  | Waived-The Home Loan Toolkit disclosure is missing. - Client waiver applied to non-material finding. - Due Diligence Vendor-12/06/2022 | Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income 4,994.37.<br>Months Reserves exceed minimum required - -13.14 months reserves exceeds minimum required 6 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780598 | xxxxxx D B A | Closed | xxxxxx | 2022-12-05 18:43 | 2023-03-23 11:46 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-12/12/2022 <br> Open-ATR: The Lender did not document all ATR Factors - loan approved with 12 months personal bank statements and file only contains business account statements. - Due Diligence Vendor-12/05/2022 |  | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-12/12/2022 <br> Resolved- - Due Diligence Vendor-12/08/2022 | Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income $120,366.45<br> Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 682 is at least 20 points above minimum for program 660. |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780598 | xxxxxx D B A | Closed | xxxxxx | 2022-12-05 17:36 | 2022-12-13 10:43 | Resolved | 1 - Information C A | Credit | Eligibility | Condo does not meet requirements | Resolved--Client response: From seller: On Monday 12/12/2022 I spoke to xxxxxx with xxxxxx Condominium as the preparer of original questionnaire (xxxxxx) is out of the office for an extended period. xxxxxx confirmed that out of the xxxxxx units in xxxxxx there are xxxxxx units that are Client owned. Please find attached email from xxxxxx confirming this. xxxxxx<br> -(AUDIT RESPONSE) Received supporting documentation - Due Diligence Vendor-12/13/2022 <br> Open--For establishes project guideline require 40% of the total units (xxxxxx) in the project must be owner occupied. Condo questionnaire reflect in Subject phase owner occupied unit xxxxxx and Appraisal reflect xxxxxx units owner occupied. Provide clarification on owner occupied units in the project to meet guideline requirement.<br> - Per guideline Client concentration allowed up to 60%.However, Appraisal reflect owner occupied units and number of units rented Unknown. Condo Questionnaire <br> indicate Client units xxxxxx for the subject phase only. <br> - Due Diligence Vendor-12/05/2022 |  | Resolved--Client response: From seller: On Monday 12/12/2022 I spoke to xxxxxx with xxxxxx as the preparer of original questionnaire (xxxxxx) is out of the office for an extended period. xxxxxx confirmed that out of the xxxxxx units in xxxxxx there are xxxxxx units that are Client owned. Please find attached email from xxxxxx confirming this. xxxxxx<br> -(AUDIT RESPONSE) Received supporting documentation - Due Diligence Vendor-12/13/2022 | Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income $120,366.45<br> Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 682 is at least 20 points above minimum for program 660. |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780598 | xxxxxx D B A | Closed | xxxxxx | 2022-12-05 10:37 | 2022-12-13 10:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Attorney Preference Letter | Resolved--Disclosure received - Due Diligence Vendor-12/13/2022 <br> Open-Right To Choose Attorney or Attorney Preference Not In File - Statute of Limitations - three years. - Due Diligence Vendor-12/05/2022 |  | Resolved--Disclosure received - Due Diligence Vendor-12/13/2022 | Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income $120,366.45<br> Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 682 is at least 20 points above minimum for program 660. |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780598 | xxxxxx D B A | Closed | xxxxxx | 2022-12-05 18:57 | 2022-12-12 13:06 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved--Received access letter - Due Diligence Vendor-12/12/2022 <br> Counter-- All asset documents received are accounted for in Audit review. 100% access letter required for business xxxxxx account #xxxxxx as borrower is only 50% owner. Gift funds of $70,000.00 have been backed out of xxxxxx #xxxxxx - Due Diligence Vendor-12/08/2022 <br> Open-Asset Qualification Does Not Meet Guideline Requirements - xxxxxx account xxxxxxxx reflect deposit of $70,000 on 11/14/2022. Gift funds from Father in Law as per borrower explanation letter. Provide gift letter and guideline require acceptable documentation: a copy of the donor's check and the borrower's deposit slip, or a copy of the donor's withdrawal slip and the borrower's deposit slip. Without the gift funds borrower will be short funds to close and reserves. - Due Diligence Vendor-12/05/2022 |  | Resolved--Received access letter - Due Diligence Vendor-12/12/2022 | Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income $120,366.45<br> Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 682 is at least 20 points above minimum for program 660. |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780598 | xxxxxx D B A | Closed | xxxxxx | 2022-12-05 18:47 | 2022-12-12 13:04 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved--Received access letter - Due Diligence Vendor-12/12/2022 <br> Counter-- All asset documents received are accounted for in Audit review. 100% access letter required for business xxxxxx account #xxxxxx as borrower is only 50% owner. - Due Diligence Vendor-12/08/2022 <br> Open-Audited Reserves of 1.21 month(s) are less than Guideline Required Reserves of 6 month(s) - Verified assets $303,571.86. Required funds to close $288,515.43+ reserves $74,495.64. Provide one month statement to support reserves requirement of 6 months. - Due Diligence Vendor-12/06/2022 |  | Resolved--Received access letter - Due Diligence Vendor-12/12/2022 | Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income $120,366.45<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 682 is at least 20 points above minimum for program 660. |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780598 | xxxxxx D B A | Closed | xxxxxx | 2022-12-05 11:13 | 2022-12-08 13:24 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved--Client response: Please see attached. There is not a Lender Credit on the CD, there is the Lender Tax listed in the amount of xxxxxx, the amount of the taxes decreased, the Rate & LTV was updated and a CIC was issued on xxxxxx which shows the updated Lender Tax amount.<br> -(AUDIT RESPONSE) Agreed, lender credit removed and Lender Tax fee for same amount added. These are one in the saem. - Due Diligence Vendor-12/08/2022 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($3,000.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($3,188.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Missing COC for decrease in Lender Credit. Initial LE reflects a Lender Credit of ($3188), Final CD reflects a Lender Credit of $0<br> Statute of Limitation - Three (3) years - Due Diligence Vendor-12/05/2022 |  | Resolved--Client response: Please see attached. There is not a Lender Credit on the CD, there is the Lender Tax listed in the amount of xxxxxx, the amount of the taxes decreased, the Rate & LTV was updated and a CIC was issued on xxxxxx which shows the updated Lender Tax amount.<br> -(AUDIT RESPONSE) Agreed, lender credit removed and Lender Tax fee for same amount added. These are one in the saem. - Due Diligence Vendor-12/08/2022 | Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income $120,366.45<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 682 is at least 20 points above minimum for program 660. |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780598 | xxxxxx D B A | Closed | xxxxxx | 2022-12-05 17:49 | 2022-12-08 12:56 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved--Audit; 12 months business bank statements xxxxxx $275,820.74 @ 50% ER /2 (50% owner) = $137910.00 used to qualify 12/8/22 10:00 AM EST<br> - Received bank statement income work sheet 12/8/22 12:00 PM EST reflecting xxxxxx $312,258.54 @ 50% ER /2 (50% owner) = $156,129.27. - Due Diligence Vendor-12/08/2022 <br> Open-Income and Employment Do Not Meet Guidelines -1003 and lender approval reflect qualifying income $156,129.27. Subject loan approved with 12 months personal bank statements. However, file only contains 12 months business statements for xxxxxx account (xxxxxxxx and xxxxxxxx)for business xxxxxx . Provide documentation to support qualifying income and guideline requirement. - Due Diligence Vendor-12/05/2022 |  | Resolved--Audit; 12 months business bank statements xxxxxx $275,820.74 @ 50% ER /2 (50% owner) = $137910.00 used to qualify 12/8/22 10:00 AM EST<br> - Received bank statement income work sheet 12/8/22 12:00 PM EST reflecting xxxxxx $312,258.54 @ 50% ER /2 (50% owner) = $156,129.27. - Due Diligence Vendor-12/08/2022 | Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income $120,366.45<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 682 is at least 20 points above minimum for program 660. |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780598 | xxxxxx D B A | Closed | xxxxxx | 2022-12-05 17:23 | 2022-12-08 12:31 | Resolved | 1 - Information D A | Credit | Missing Doc | HO-6 Insurance Policy is Missing | Resolved--Received HO6 from xxxxxx Insurance. - Due Diligence Vendor-12/08/2022 <br> Open-HO-6 Insurance Policy is Missing - CD reflect insurance annual premium $347. Provide complete insurance binder supporting guideline requirement for H06 coverage : for replacement of such items as xxxxxx. Master policy has xxxxxx deductible.<br> - Due Diligence Vendor-12/05/2022 |  | Resolved--Received HO6 from xxxxxx. - Due Diligence Vendor-12/08/2022 | Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income $120,366.45<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 682 is at least 20 points above minimum for program 660. |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780598 | xxxxxx D B A | Closed | xxxxxx | 2022-12-05 18:05 | 2022-12-08 12:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-- Received evidence of end date (12/1/2022) of credit monitoring. - Due Diligence Vendor-12/08/2022 <br> Open-Borrower 1 Gap Credit Report is Missing - File contain updated CR dated 11/8/2022 . Does not meet guideline requirement of a gap credit report no more than 10 days prior to loan closing or any time after closing. - Due Diligence Vendor-12/05/2022 |  | Resolved-- Received evidence of end date (12/1/2022) of credit monitoring. - Due Diligence Vendor-12/08/2022 | Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income $120,366.45<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 682 is at least 20 points above minimum for program 660. |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780598 | xxxxxx D B A | Closed | xxxxxx | 2022-12-05 19:40 | 2022-12-08 12:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-- Received evidence xxxxxx is a Co-op and has no property taxes. - Due Diligence Vendor-12/08/2022 <br> Open-- Non subject REO xxxxxx, Mortgage statement reflect no escrows. File contains HOI and HOA statement. Provide documentation to support taxes for the property. <br> - Due Diligence Vendor-12/06/2022 |  | Resolved-- Received evidence xxxxxx is a Co-op and has no property taxes. - Due Diligence Vendor-12/08/2022 | Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income $120,366.45<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 682 is at least 20 points above minimum for program 660. |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 780598 | xxxxxx D B A | Closed | xxxxxx | 2022-12-05 17:12 | 2022-12-06 16:35 | Waived | 2 - Non-Material C B | Credit | Eligibility | Non-Arm's Length Transactions Not Allowed for Program | Waived-Non-Arm's Length Transactions Not Allowed for Program - Borrower who is a tenant purchasing subject property listed by Landlord as Sale by owner. FSBO does not meet guidelines requirement for non-arms length transaction (selling to tenant). Exception in file approved by the Client. - Due Diligence Vendor-12/05/2022 |  | Waived-Non-Arm's Length Transactions Not Allowed for Program - Borrower who is a tenant purchasing subject property listed by Landlord as Sale by owner. FSBO does not meet guidelines requirement for non-arms length transaction (selling to tenant). Exception in file approved by the Client. - Due Diligence Vendor-12/05/2022 | Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income $120,366.45<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 682 is at least 20 points above minimum for program 660. | -Residual income more than 2.5x the amount required by guidelines<br> - DTI <= 36% which is below requirement in guidelines<br> - Credit Score 20 points > minimum required | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780598 | xxxxxx D B A | Closed | xxxxxx | 2022-12-06 12:30 | 2022-12-06 16:34 | Waived | 2 - Non-Material C B | Credit | Eligibility | Transaction is not arm's length | Waived-FSBO does not meet guidelines for non-arms length transaction (selling to tenant).<br> Exception approved by Client. - Due Diligence Vendor-12/06/2022 |  | Waived-FSBO does not meet guidelines for non-arms length transaction (selling to tenant).<br> Exception approved by Client. - Due Diligence Vendor-12/06/2022 | Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income $120,366.45<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 682 is at least 20 points above minimum for program 660. | -Residual income more than 2.5x the amount required by guidelines<br> - DTI <= 36% which is below requirement in guidelines<br> - Credit Score 20 points > minimum required | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780598 | xxxxxx D B A | Closed | xxxxxx | 2022-12-05 10:37 | 2022-12-06 12:19 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material finding - Due Diligence Vendor-12/06/2022 |  | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material finding - Due Diligence Vendor-12/06/2022 | Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income $120,366.45<br> Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 682 is at least 20 points above minimum for program 660. |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780598 | xxxxxx D B A | Closed | xxxxxx | 2022-12-05 17:12 | 2022-12-06 12:19 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Client waiver applied to non-material finding - Due Diligence Vendor-12/06/2022 |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Client waiver applied to non-material finding - Due Diligence Vendor-12/06/2022 | Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income $120,366.45<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 682 is at least 20 points above minimum for program 660. |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780714 | xxxxxx C B A | Closed | xxxxxx | 2022-12-06 12:48 | 2022-12-06 16:32 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 80% exceeds Guideline LTV of 75% Guides only allow 75% LVT on xxxxxx units .LTV Exception to go from 75% to 80% on a xxxxxx unit property. Client waiver applied to non-material finding. - Due Diligence Vendor-09/19/2025 |  | Waived-Audited LTV of 80% exceeds Guideline LTV of 75% Guides only allow 75% LVT on xxxxxx units .LTV Exception to go from 75% to 80% on a xxxxxx unit property. Client waiver applied to non-material finding. - Due Diligence Vendor-09/19/2025 | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 780 is at least 20 points above minimum for program 700.<br> Months Reserves exceed minimum required - - Months Reserves 15 exceed minimum required 2. | -Credit Score 30+ points > minimum required.<br> - Reserves exceed requirement by 6 months or more. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 780985 | xxxxxx D A | Closed | xxxxxx | 2023-02-14 11:42 | 2023-02-17 07:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Required forms/disclosures missing | Resolved--Received Closure letters for accounts listed - Due Diligence Vendor-02/17/2023 <br> Open-Missing closure to further advances for both Summit FCU and Citizens HELOC's being paid off. - Due Diligence Vendor-02/14/2023 |  | Resolved--Received Closure letters for accounts listed - Due Diligence Vendor-02/17/2023 | LTV is less than guideline maximum - LTV 70% is 5% less than maximum 75%<br> Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 722 is 42 points higher than required 680.<br> Qualifying DTI below maximum allowed - - DTI 44.77% is 5.23% lower than maximum 50% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 780985 | xxxxxx D A | Closed | xxxxxx | 2023-02-14 11:09 | 2023-02-17 07:41 | Resolved | 1 - Information B A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved--Received UDM - Due Diligence Vendor-02/17/2023 <br> Open-Borrower 1 Gap Credit Report is Missing - Non material due to DTI of 44.77% with max of 50% - Due Diligence Vendor-02/14/2023 |  | Resolved--Received UDM - Due Diligence Vendor-02/17/2023 | LTV is less than guideline maximum - LTV 70% is 5% less than maximum 75%<br> Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 722 is 42 points higher than required 680.<br> Qualifying DTI below maximum allowed - - DTI 44.77% is 5.23% lower than maximum 50% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781086 | xxxxxx D B C A | Closed | xxxxxx | 2022-11-28 11:33 | 2022-12-09 10:32 | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved--Received PCCD with a disbursement date of xxxxxx - Due Diligence Vendor-12/09/2022 <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. - CD xxxxxx has Disbursement date of xxxxxx. Date of Borrower signature is xxxxxx.<br> Statute of Limitation - three years. - Due Diligence Vendor-11/28/2022 |  | Resolved--Received PCCD with a disbursement date of xxxxxx - Due Diligence Vendor-12/09/2022 | Long term residence - Borrower renting from the past 8 years<br> Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 751 is 51 points higher than required 700 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781086 | xxxxxx D B C A | Closed | xxxxxx | 2022-11-28 16:35 | 2022-12-09 10:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/02/2022 <br> Open-Missing Third Party Fraud Report - Missing All 3rd parties to the transaction checked with Exclusionary (GSA)/OFAC/LDP Lists - Due Diligence Vendor-11/28/2022 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/02/2022 | Long term residence - Borrower renting from the past 8 years<br> Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 751 is 51 points higher than required 700 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781086 | xxxxxx D B C A | Closed | xxxxxx | 2022-12-02 13:01 | 2022-12-09 10:27 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-12/09/2022 <br> Open--NEW - Fraud report shows uncleared alerts for borrower identity - Additional names were found to be associated with borrower SSN - Due Diligence Vendor-12/02/2022 |  | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-12/09/2022 | Long term residence - Borrower renting from the past 8 years<br> Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 751 is 51 points higher than required 700 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781086 | xxxxxx D B C A | Closed | xxxxxx | 2022-11-28 16:50 | 2022-11-28 17:29 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 4.99 month(s) are less than Guideline Required Reserves of 6 month(s) Client waiver applied to non-material finding - Due Diligence Vendor-11/28/2022 |  | Waived-Audited Reserves of 4.99 month(s) are less than Guideline Required Reserves of 6 month(s) Client waiver applied to non-material finding - Due Diligence Vendor-11/28/2022 | Long term residence - Borrower renting from the past 8 years<br> Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 751 is 51 points higher than required 700 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781148 | xxxxxx D B A | Closed | xxxxxx | 2023-01-03 11:53 | 2023-01-05 11:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Resolved--Received required Lease Agreement - Due Diligence Vendor-01/05/2023 <br> Open--NEW - Missing lease agreement for xxxxxx. Received documentation to support receipt of 2 months rent however, guidelines require copy of lease agreement - Due Diligence Vendor-01/03/2023 |  | Resolved--Received required Lease Agreement - Due Diligence Vendor-01/05/2023 | Months Reserves exceed minimum required - - Months Reserves 12 exceed minimum required 6.<br> Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 745 is at least 20 points above minimum for program 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781148 | xxxxxx D B A | Closed | xxxxxx | 2022-12-19 11:32 | 2023-01-03 12:00 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved--Received evidence of May payment for both properties - Due Diligence Vendor-01/03/2023 <br> Open-Housing History Does Not Meet Guideline Requirements - REO xxxxxx purchase date xxxxxx and 1st payment date per Note xxxxxx. Mortgage history start date xxxxxx and 1st payment xxxxxx and last paid xxxxxx. Loan closing date xxxxxx.Provide documentation to support May payment and guideline requirement of 0x30x12 months.<br> - - REO xxxxxx purchase date xxxxxx and 1st payment date per Note xxxxxx. Mortgage history start date xxxxxx and 1st payment xxxxxx and last paid xxxxxx. Provide documentation to support May payment and guideline requirement of 0x30x12 months. - Due Diligence Vendor-12/19/2022 |  | Resolved--Received evidence of May payment for both properties - Due Diligence Vendor-01/03/2023 | Months Reserves exceed minimum required - - Months Reserves 12 exceed minimum required 6.<br> Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 745 is at least 20 points above minimum for program 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781148 | xxxxxx D B A | Closed | xxxxxx | 2022-12-19 11:32 | 2023-01-03 11:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Upon further review borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-09/19/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Provide a gap credit or Undisclosed Debt Monitoring report no more than 10 days prior to loan closing or any time after closing . Also, Fico, tradelines and consumer credit must also meet guides once received. - Due Diligence Vendor-12/19/2022 |  | Resolved-Upon further review borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-09/19/2025 | Months Reserves exceed minimum required - - Months Reserves 12 exceed minimum required 6.<br> Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 745 is at least 20 points above minimum for program 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781148 | xxxxxx D B A | Closed | xxxxxx | 2022-12-19 12:12 | 2023-01-03 11:51 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved--Received evidence of 2 months rental receipt for xxxxxx property. - Due Diligence Vendor-01/03/2023 <br> Open-Audited DTI of 51.77% exceeds Guideline DTI of 50% - DTI 51.77% based on Income $26134.01/ PITIA subject loss $3172.88+ Other REO loss $7272.99+ Primary residence rent $2100+Other debt $983. <br> - Final 1003 reflect additional Other income - xxxxxx unit net rental income. No source provided for additional income. Subject property purchase of an investment property. 1025 reflect market rent for xxxxxx units $4000. New leases for subject property reflect effective date xxxxxx. <br> - Due Diligence Vendor-12/19/2022 |  | Resolved--Received evidence of 2 months rental receipt for xxxxxx property. - Due Diligence Vendor-01/03/2023 | Months Reserves exceed minimum required - - Months Reserves 12 exceed minimum required 6.<br> Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 745 is at least 20 points above minimum for program 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781148 | xxxxxx D B A | Closed | xxxxxx | 2022-12-19 11:45 | 2022-12-23 10:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved--LDP provided with all parties checked. - Due Diligence Vendor-12/23/2022 <br> Counter--Client response: Please see attached LDP, advise who is missing or what exactly is needed. <br> -(AUDIT RESPONSE) - LDP document not attached for review. Fraud report must include OFAC/GSA/LDP check for Sellers, Brokers, Loan Officers and Real Estate Agents. - Due Diligence Vendor-12/21/2022 <br> Open-Third Party Fraud Report Partially Provided - OFAC/ GSA/LDP not checked for Sellers, Brokers, Loan Officers and Real Estate Agents. - Due Diligence Vendor-12/19/2022 |  | Resolved--LDP provided with all parties checked. - Due Diligence Vendor-12/23/2022 | Months Reserves exceed minimum required - - Months Reserves 12 exceed minimum required 6.<br> Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 745 is at least 20 points above minimum for program 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781148 | xxxxxx D B A | Closed | xxxxxx | 2022-12-19 12:40 | 2022-12-19 16:30 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Income and Employment Do Not Meet Guidelines - Guideline require :The tax preparer must attest they have prepared the borrower's most recent tax return. However, tax preparer letter in file reflect business start date xxxxxx. has prepared his business federal and State income tax returns. Therefore considered non-material.<br> Client waiver applied to non-material finding - Due Diligence Vendor-12/19/2022 |  | Waived-Income and Employment Do Not Meet Guidelines - Guideline require :The tax preparer must attest they have prepared the borrower's most recent tax return. However, tax preparer letter in file reflect business start date xxxxxx. has prepared his business federal and State income tax returns. Therefore considered non-material.<br> Client waiver applied to non-material finding - Due Diligence Vendor-12/19/2022 | Months Reserves exceed minimum required - - Months Reserves 12 exceed minimum required 6.<br> Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 745 is at least 20 points above minimum for program 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781148 | xxxxxx D B A | Closed | xxxxxx | 2022-12-19 12:30 | 2022-12-19 15:46 | Waived | 2 - Non-Material B | Credit | Assets | Gift Funds General | Waived--Gift letter in file reflect relationship Father and Daughter and the source of the gift is xxxxxx checking. However transfer of funds receipt reflect transfer from xxxxxx account not xxxxxx. Does not meet guideline requirement of relationship to the borrower also as Borrower spouse not on the loan or purchase agreement. Gifts funds reflecting on post close CD. Therefore considered non-material.<br> Client waiver applied to non-material finding - Due Diligence Vendor-12/19/2022 |  | Waived--Gift letter in file reflect relationship Father and Daughter and the source of the gift is xxxxxx checking. However transfer of funds receipt reflect transfer from xxxxxx account not xxxxxx. Does not meet guideline requirement of relationship to the borrower also as Borrower spouse not on the loan or purchase agreement. Gifts funds reflecting on post close CD. Therefore considered non-material.<br> Client waiver applied to non-material finding - Due Diligence Vendor-12/19/2022 | Months Reserves exceed minimum required - - Months Reserves 12 exceed minimum required 6.<br> Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 745 is at least 20 points above minimum for program 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781148 | xxxxxx D B A | Closed | xxxxxx | 2022-12-19 10:52 | 2022-12-19 15:07 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx disbursement xxxxxx. Client waiver applied to non-material finding - Due Diligence Vendor-12/19/2022 |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx disbursement xxxxxx. Client waiver applied to non-material finding - Due Diligence Vendor-12/19/2022 | Months Reserves exceed minimum required - - Months Reserves 12 exceed minimum required 6.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 745 is at least 20 points above minimum for program 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781288 | xxxxxx C B A | Closed | xxxxxx | 2022-12-27 10:19 | 2025-09-20 16:41 | Waived | 2 - Non-Material B | Credit | Eligibility | Non-Arm's Length Transactions Not Allowed for Program | Waived-Non-Arm's Length Transactions Not Allowed for Program - Borrower is purchasing from Landlord and only 22 months rental pay history provided; Lender exception request/Client approval provided. Non-material finding; 22 months history paid as agreed. - Due Diligence Vendor-12/27/2022 |  | Waived-Non-Arm's Length Transactions Not Allowed for Program - Borrower is purchasing from Landlord and only 22 months rental pay history provided; Lender exception request/Client approval provided. Non-material finding; 22 months history paid as agreed. - Due Diligence Vendor-12/27/2022 | LTV is less than guideline maximum - - Calculated LTV is 17.32% below guideline max.<br> Qualifying DTI below maximum allowed - - Qualifying DTI is 8% below guideline max.<br> Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 28 points above minimum required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781288 | xxxxxx C B A | Closed | xxxxxx | 2022-12-27 10:01 | 2022-12-29 10:57 | Resolved | 1 - Information B A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved--Received UDM for both borrowers - Due Diligence Vendor-12/29/2022 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Credit Refresh not provided and undisclosed debt monitoring report is dated greater than 10 days prior to closing. 42% DTi and 33 additional months reserves - Due Diligence Vendor-12/27/2022 |  | Resolved--Received UDM for both borrowers - Due Diligence Vendor-12/29/2022 | LTV is less than guideline maximum - - Calculated LTV is 17.32% below guideline max.<br>Qualifying DTI below maximum allowed - - Qualifying DTI is 8% below guideline max.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 28 points above minimum required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781288 | xxxxxx C B A | Closed | xxxxxx | 2022-12-27 09:13 | 2022-12-29 10:55 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved--Received documentation supporting a 24 month chain of title - Due Diligence Vendor-12/29/2022 <br> Open-Unsatisfactory Chain of Title provided -24 month chain of title was not provided. - Due Diligence Vendor-12/27/2022 |  | Resolved--Received documentation supporting a 24 month chain of title - Due Diligence Vendor-12/29/2022 | LTV is less than guideline maximum - - Calculated LTV is 17.32% below guideline max.<br>Qualifying DTI below maximum allowed - - Qualifying DTI is 8% below guideline max.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 28 points above minimum required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781308 | xxxxxx D B C | Closed | xxxxxx | 2022-11-18 15:04 | 2025-09-22 13:56 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-09/22/2025 <br> Resolved--Received LOE for large deposits, income recalculated, DTI in line - Due Diligence Vendor-12/13/2022 <br> Open-ATR: The Lender did not document all ATR Factors Audited DTI of 60.86% exceeds Guideline DTI of 50% - Numerous irregular large deposits backed out of business bank statements which lender did not account for or provide explanation for resulted in a lower income and higher DTI. - Due Diligence Vendor-11/18/2022 |  | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-09/22/2025 <br> Resolved--Received LOE for large deposits, income recalculated, DTI in line - Due Diligence Vendor-12/13/2022 | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 744 is 94 points higher than required 650<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income $14,398.43 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781308 | xxxxxx D B C | Closed | xxxxxx | 2022-11-14 15:16 | 2022-12-28 12:16 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved--Received PCCD, letter to borrower to refund check - Due Diligence Vendor-12/28/2022 <br> Counter--Client response: Please find the revised Loan Estimate w/the addition of the DAIR due to xxxxxx. The Date Issued is xxxxxx & was signed on xxxxxx. As for the Transfer taxes, only the sum of xxxxxx was disclosed on the initial Loan Estimate as required per 1026.37(g)(1)(ii). The initial CD is where the Transfer Taxes, if applicable, are itemized as they were on the initial CD & did not increase therefore a COC is not required.<br> -(AUDIT RESPONSE) DAIR fee is zero tolerance and increased from $130 to $133.90 for an increase of $3.90 with no COC provided. Zero tolerance fees apply to buyer and seller, Transfer Taxes and Intangible taxes increased by xxxxxx without a COC. Provide COC for all zero tolerance fees increases or evidence of refund to borrower including evidence of delivery. Finding remains - Due Diligence Vendor-11/30/2022 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $8,528.40.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). - Missing COC(s)<br> -(1) Missing COC for CD xxxxxx – DAIR fee increased to $133.90 (2) Missing COC for Final CD xxxxxx – Intangible Tax xxxxxx (3) Missing COC for Final CD xxxxxx – Transfer Taxes xxxxxx<br> - Due Diligence Vendor-11/14/2022 |  | Resolved--Received PCCD, letter to borrower to refund check - Due Diligence Vendor-12/28/2022 | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 744 is 94 points higher than required 650<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income $14,398.43 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781308 | xxxxxx D B C | Closed | xxxxxx | 2022-11-15 13:23 | 2022-12-13 15:28 | Resolved | 1 - Information C A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved--Client response: It was due to a clerical typo in our system. Please find attached initial 1003s for both borrowers, which was issued at the time of initial loan submission that show borrowers intent to occupy the subject property as primary residence, as well as correct final 1003s<br> -(AUDIT RESPONSE) - Documentation provided - Due Diligence Vendor-12/13/2022 <br> Open--Final signed 1003 shows both borrowers indicate they will not occupy the subject property as a primary residence. - Due Diligence Vendor-11/15/2022 |  | Resolved--Client response: It was due to a clerical typo in our system. Please find attached initial 1003s for both borrowers, which was issued at the time of initial loan submission that show borrowers intent to occupy the subject property as primary residence, as well as correct final 1003s<br> -(AUDIT RESPONSE) - Documentation provided - Due Diligence Vendor-12/13/2022 | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 744 is 94 points higher than required 650<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income $14,398.43 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781308 | xxxxxx D B C | Closed | xxxxxx | 2022-11-15 13:18 | 2022-12-13 15:25 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved--Received LOE for large deposits, income recalculated, DTI in line - Due Diligence Vendor-12/13/2022 <br> Counter--Received Income/Bank statement worksheet(s). For bank accts #xxxxxx and #xxxxxx there are large deposits that are not consistent with the majority of electronic deposits that require an LOE from borrower that these deposits are business income. - Due Diligence Vendor-12/07/2022 <br> Counter--Bank statement analysis worksheet not attached for review. For bank statement #xxxxxx and #xxxxxx, there are large deposits that are no consistent with the majority of the smaller deposits. File does not have an LOE from borrowers stating that these large deposits are business income. Finding remains - Due Diligence Vendor-12/05/2022 <br> Ready for Review-The indicated condition is subjective, and factually, there were no extraordinary deposits, and all deposits were deemed to be business related, reasonable, and with a consistent nature. Please see attached the bank statements analysis worksheets for three business accounts, along with the DTI worksheet. Final correct DTI is 49.98% - Seller-12/02/2022 <br> Open-Audited DTI of 60.86% exceeds Guideline DTI of 50% - Numerous irregular large deposits backed out of business bank statements which lender did not account for or provide explanation for resulted in a lower income and higher DTI. - Due Diligence Vendor-11/15/2022 | Ready for Review-The indicated condition is subjective, and factually, there were no extraordinary deposits, and all deposits were deemed to be business related, reasonable, and with a consistent nature. Please see attached the bank statements analysis worksheets for three business accounts, along with the DTI worksheet. Final correct DTI is 49.98% - Seller-12/02/2022 | Resolved--Received LOE for large deposits, income recalculated, DTI in line - Due Diligence Vendor-12/13/2022 | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 744 is 94 points higher than required 650<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income $14,398.43 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781308 | xxxxxx D B C | Closed | xxxxxx | 2022-11-15 11:55 | 2022-11-30 14:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved--Client response: xxxxxx does not require LOE for credit inquiries on any of our loans<br> -(AUDIT REPOSNE) Agreed, guidelines do not require an LOE - Due Diligence Vendor-11/30/2022 <br> Open--Missing LOE for the following credit inquiries: B1 9/9 xxxxxx xxxxxx/xxxxxx, 8/26 xxxxxx, 8/15 xxxxxx. B2 9/9 xxxxxx xxxxxx/xxxxxx, 9/8 xxxxxx - Due Diligence Vendor-11/15/2022 |  | Resolved--Client response: xxxxxx does not require LOE for credit inquiries on any of our loans<br> -(AUDIT REPOSNE) Agreed, guidelines do not require an LOE - Due Diligence Vendor-11/30/2022 | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 744 is 94 points higher than required 650<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income $14,398.43 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781308 | xxxxxx D B C | Closed | xxxxxx | 2022-11-18 13:51 | 2022-11-28 11:37 | Resolved | 1 - Information C A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-A desk review was received which supports the value. - Due Diligence Vendor-11/28/2022 <br> Open-- Missing appraisal review product of either desk review or CU/LCA score <=2.5. - Due Diligence Vendor-11/18/2022 |  | Resolved-A desk review was received which supports the value. - Due Diligence Vendor-11/28/2022 | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 744 is 94 points higher than required 650<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income $14,398.43 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 781308 | xxxxxx D B C | Closed | xxxxxx | 2022-11-18 15:26 | 2022-11-21 14:17 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing or Incomplete 1003 | Waived--Client Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Employed in same profession > 2 years<br> - Due Diligence Vendor-11/21/2022 <br> Open-The Final 1003 is Incomplete Legacy final 1003 used in loan with application date of xxxxxx. 2021 1003 required, - Due Diligence Vendor-11/18/2022 |  | Waived--Client Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Employed in same profession > 2 years<br> - Due Diligence Vendor-11/21/2022 | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 744 is 94 points higher than required 650<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income $14,398.43 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781308 | xxxxxx D B C | Closed | xxxxxx | 2022-11-15 13:26 | 2022-11-18 15:19 | Waived | 2 - Non-Material B | Property | Property Issue | FEMA declared disaster after the note date and appraisal date | Waived--FEMA disaster declared xxxxxx. Appraisal date xxxxxx, note date xxxxxx.<br> Public assistance available<br> Client waiver applied to non-material finding - Due Diligence Vendor-11/15/2022 |  | Waived--FEMA disaster declared xxxxxx. Appraisal date xxxxxx, note date xxxxxx.<br> Public assistance available<br> Client waiver applied to non-material finding - Due Diligence Vendor-11/15/2022 | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 744 is 94 points higher than required 650<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income $14,398.43 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781308 | xxxxxx D B C | Closed | xxxxxx | 2022-11-15 11:59 | 2022-11-18 14:45 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared No proof provided that OFAC was checked for all applicable parties.<br> - Non material both borrowers check through OFAC. <br> Client waiver applied to non-material finding - Due Diligence Vendor-11/15/2022 |  | Waived-OFAC Check Not Completed and/or Cleared No proof provided that OFAC was checked for all applicable parties.<br> - Non material both borrowers check through OFAC. <br> Client waiver applied to non-material finding - Due Diligence Vendor-11/15/2022 | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 744 is 94 points higher than required 650<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income $14,398.43 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781308 | xxxxxx D B C | Closed | xxxxxx | 2022-11-14 22:09 | 2022-11-14 22:09 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material finding - Due Diligence Vendor-11/15/2022 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material finding - Due Diligence Vendor-11/15/2022 | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 744 is 94 points higher than required 650<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income $14,398.43 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781324 | xxxxxx D B A C | Closed | xxxxxx | 2022-11-21 11:54 | 2022-12-02 11:46 | Resolved | 1 - Information C A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved--Received desk review which supports appraised value - Due Diligence Vendor-12/02/2022 <br> Open--Missing acceptable desk review or LCA/CU with score <= 2.5 to support appraised value of $xxxxxx. - Due Diligence Vendor-11/21/2022 |  | Resolved--Received desk review which supports appraised value - Due Diligence Vendor-12/02/2022 | LTV is less than guideline maximum - - LTV 44% is less than 75% allowed.<br> Qualifying DTI below maximum allowed - - DTI 44% is less than the 50% allowed. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781324 | xxxxxx D B A C | Closed | xxxxxx | 2022-11-21 13:18 | 2022-12-01 09:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved--Client response: xxxxxx does not require LOE for credit inquiries on any loans - please clear<br> -(AUDIT RESPONSE) Agreed, guidelines do not require - Due Diligence Vendor-12/01/2022 <br> Open--Missing LOE for the following credit inquiries: xxxxxx 9/8/22. - Due Diligence Vendor-11/21/2022 |  | Resolved--Client response: xxxxxx does not require LOE for credit inquiries on any loans - please clear<br> -(AUDIT RESPONSE) Agreed, guidelines do not require - Due Diligence Vendor-12/01/2022 | LTV is less than guideline maximum - - LTV 44% is less than 75% allowed.<br>Qualifying DTI below maximum allowed - - DTI 44% is less than the 50% allowed. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 781324 | xxxxxx D B A C | Closed | xxxxxx | 2022-11-21 14:10 | 2022-11-23 12:26 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing or Incomplete 1003 | Waived--Client Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 30+ points > minimum required<br> - Due Diligence Vendor-11/23/2022 <br> Open--The initial and final 1003 is Incomplete Legacy 1003 used app date xxxxxx and final date of xxxxxx, new 2021 1003 form required. - Due Diligence Vendor-11/21/2022 |  | Waived--Client Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 30+ points > minimum required<br> - Due Diligence Vendor-11/23/2022 | LTV is less than guideline maximum - - LTV 44% is less than 75% allowed.<br>Qualifying DTI below maximum allowed - - DTI 44% is less than the 50% allowed. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 781324 | xxxxxx D B A C | Closed | xxxxxx | 2022-11-21 13:28 | 2022-11-22 09:18 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-OFAC Check Not Completed and/or Cleared - OFAC check only completed for borrower but required for all parties involved in the transaction. Client waiver applied to non-material finding - Due Diligence Vendor-11/21/2022 |  | Waived-OFAC Check Not Completed and/or Cleared - OFAC check only completed for borrower but required for all parties involved in the transaction. Client waiver applied to non-material finding - Due Diligence Vendor-11/21/2022 | LTV is less than guideline maximum - - LTV 44% is less than 75% allowed.<br>Qualifying DTI below maximum allowed - - DTI 44% is less than the 50% allowed. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 781349 | xxxxxx C B A | Closed | xxxxxx | 2022-11-18 13:15 | 2022-12-07 14:14 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved--Client response: Please find attached appraisal report, which reflects the xxxxxx comments on page 25 Please be advised the appraisal report includes the xxxxxx, and pictures of the xxxxxx is not a requirement of appraisal report <br> -(AUDIT RESPONSE) Reviewed appraisal provided and appraiser comments regarding xxxxxx, which are xxxxxx. - Due Diligence Vendor-12/07/2022 <br> Open--Appraisal, xxxxxx and xxxxxx unit picture reflect xxxxxx on the xxxxxx and xxxxxx with no comment from Appraisal about the access or latch.<br> - Building sketch reflect xxxxxx but xxxxxx provided.<br> - Due Diligence Vendor-11/18/2022 |  | Resolved--Client response: Please find attached appraisal report, which reflects the xxxxxx comments on page 25 Please be advised the appraisal report includes the xxxxxx, and pictures of the xxxxxx is not a requirement of appraisal report <br> -(AUDIT RESPONSE) Reviewed appraisal provided and appraiser comments regarding xxxxxx, which are xxxxxx. - Due Diligence Vendor-12/07/2022 | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 717 is at least 20 points above minimum for program 680.<br>Months Reserves exceed minimum required - Months Reserves 102 exceed minimum required 0. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781349 | xxxxxx C B A | Closed | xxxxxx | 2022-11-18 12:07 | 2022-12-05 16:36 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved--Client response: Subject loan was an Arms-length transaction, with no red flags, and with valid purchase contract that involved a brokerage company in the sale Further, the appraiser confirmed on the appraisal report the transaction to be an Arms-length transaction. When subject property is vested in an entity on a purchase transaction, we do not require any entity documents for the sellers entity. <br> -(AUDIT RESPONSE) Agreed, file does not contain any red flags to suggest this is a non-ARMS length transaction - Due Diligence Vendor-12/05/2022 <br> Open-Property Title Issue - Provide LLC documentation for Seller - Current title holder xxxxxx. supporting Arm's length transaction. - Due Diligence Vendor-11/18/2022 |  | Resolved--Client response: Subject loan was an Arms-length transaction, with no red flags, and with valid purchase contract that involved a brokerage company in the sale Further, the appraiser confirmed on the appraisal report the transaction to be an Arms-length transaction. When subject property is vested in an entity on a purchase transaction, we do not require any entity documents for the sellers entity. <br> -(AUDIT RESPONSE) Agreed, file does not contain any red flags to suggest this is a non-ARMS length transaction - Due Diligence Vendor-12/05/2022 | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 717 is at least 20 points above minimum for program 680.<br>Months Reserves exceed minimum required - Months Reserves 102 exceed minimum required 0. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781349 | xxxxxx C B A | Closed | xxxxxx | 2022-11-18 12:20 | 2022-12-05 16:25 | Resolved | 1 - Information C A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved--Received desk review which support appraised value - Due Diligence Vendor-12/05/2022 <br> Open--LCA/CU scores 2.5 or less or a desk review is required. - Due Diligence Vendor-11/18/2022 |  | Resolved--Received desk review which support appraised value - Due Diligence Vendor-12/05/2022 | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 717 is at least 20 points above minimum for program 680.<br>Months Reserves exceed minimum required - Months Reserves 102 exceed minimum required 0. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 781349 | xxxxxx C B A | Closed | xxxxxx | 2022-11-18 12:50 | 2022-11-22 16:52 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-Client waiver applied to non-material finding - Due Diligence Vendor-11/22/2022 <br> Open-OFAC Check Not Completed and/or Cleared --File contain OFAC run for Borrower. Therefore not considered non-material . - Due Diligence Vendor-11/18/2022 |  | Waived-Client waiver applied to non-material finding - Due Diligence Vendor-11/22/2022 | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 717 is at least 20 points above minimum for program 680.<br>Months Reserves exceed minimum required - Months Reserves 102 exceed minimum required 0. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781349 | xxxxxx C B A | Closed | xxxxxx | 2022-11-18 12:32 | 2022-11-19 15:34 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Per HUD disbursement date xxxxxx. Client waiver applied to non-material finding - Due Diligence Vendor-11/18/2022 |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Per HUD disbursement date xxxxxx. Client waiver applied to non-material finding - Due Diligence Vendor-11/18/2022 | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 717 is at least 20 points above minimum for program 680.<br>Months Reserves exceed minimum required - Months Reserves 102 exceed minimum required 0. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 781762 | xxxxxx B A | Closed | xxxxxx | 2022-12-09 12:55 | 2022-12-09 13:08 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing - Deemed non material due to DTI 42% with 49.99% max and 89 months reserves exceed required 0 months<br> Client waiver applied to non-material finding - Due Diligence Vendor-12/09/2022 |  | Waived-Borrower 1 Gap Credit Report is Missing - Deemed non material due to DTI 42% with 49.99% max and 89 months reserves exceed required 0 months<br> Client waiver applied to non-material finding - Due Diligence Vendor-12/09/2022 | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 745 is 63 points higher than required 680<br>LTV is less than guideline maximum - - LTV 46.98% is 33.02% lower than maximum 80%<br>Qualifying DTI below maximum allowed - - DTI 41.28% is 8.71% lower than maximum 49.99% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 782250 | xxxxxx D B A | Closed | xxxxxx | 2023-01-05 10:06 | 2023-01-11 07:25 | Resolved | 1 - Information D A | Credit | Eligibility | Second Appraisal is Missing | Resolved--Received 2nd appraisal - Due Diligence Vendor-01/11/2023 <br> Open--Missing second appraisal dated prior to note date required for a flip transaction Subject was purchased xxxxxx for xxxxxx and current appraised value is xxxxxx, or 140% increase within 141 days per xxxxxx signature on agreement, File includes CDA for xxxxxx appraisal for xxxxxx but the only appraisal in file is dated xxxxxx for xxxxxx. UCDP also in file for the xxxxxx appraisal. Upon receipt of appraisal, the lower of the two values should be used. Resulting LTV of 67.68% will still be in compliance.<br> - Missing sufficient documentation to validate actual cost to renovate required per guidelines. - Due Diligence Vendor-01/05/2023 |  | Resolved--Received 2nd appraisal - Due Diligence Vendor-01/11/2023 | Months Reserves exceed minimum required - 41.24 months reserves exceed 6 months required.<br>Qualifying DTI below maximum allowed - 13.39% DTI is less than 50% maximum. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 782250 | xxxxxx D B A | Closed | xxxxxx | 2023-01-05 10:31 | 2023-01-10 06:53 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved--Received dated CPA letter - Due Diligence Vendor-01/10/2023 <br> Open-Income and Employment Do Not Meet Guidelines - Missing CPA letter dated within 90 days of note date. CPA letter in file is undated. - Due Diligence Vendor-01/05/2023 |  | Resolved--Received dated CPA letter - Due Diligence Vendor-01/10/2023 | Months Reserves exceed minimum required - 41.24 months reserves exceed 6 months required.<br>Qualifying DTI below maximum allowed - 13.39% DTI is less than 50% maximum. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 782250 | xxxxxx D B A | Closed | xxxxxx | 2023-01-05 09:30 | 2023-01-10 06:50 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Satisfactory Chain of Title has been provided - Due Diligence Vendor-01/10/2023 <br> Open-Unsatisfactory Chain of Title provided - Title does not address conveyances in past 24 months. - Due Diligence Vendor-01/05/2023 |  | Resolved-Satisfactory Chain of Title has been provided - Due Diligence Vendor-01/10/2023 | Months Reserves exceed minimum required - 41.24 months reserves exceed 6 months required.<br>Qualifying DTI below maximum allowed - 13.39% DTI is less than 50% maximum. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 782250 | xxxxxx D B A | Closed | xxxxxx | 2023-01-05 10:42 | 2023-01-06 10:41 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Incomplete | Waived-Borrower 1 Gap Credit Report is Partially Present. - Gap credit report in file is joint but individual signing note is 100% sole owner of LLC. Deemed non-material<br> Client waiver applied to non-material finding - Due Diligence Vendor-01/05/2023 |  | Waived-Borrower 1 Gap Credit Report is Partially Present. - Gap credit report in file is joint but individual signing note is 100% sole owner of LLC. Deemed non-material<br> Client waiver applied to non-material finding - Due Diligence Vendor-01/05/2023 | Months Reserves exceed minimum required - 41.24 months reserves exceed 6 months required.<br>Qualifying DTI below maximum allowed - 13.39% DTI is less than 50% maximum. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 782250 | xxxxxx D B A | Closed | xxxxxx | 2023-01-05 10:42 | 2023-01-06 10:40 | Waived | 2 - Non-Material B | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Waived-Borrower 1 Credit Report is Partially Present. - Credit report in file is joint but individual signing note is 100% sole owner of LLC. Deemed non-material <br> Client waiver applied to non-material finding - Due Diligence Vendor-01/05/2023 |  | Waived-Borrower 1 Credit Report is Partially Present. - Credit report in file is joint but individual signing note is 100% sole owner of LLC. Deemed non-material <br> Client waiver applied to non-material finding - Due Diligence Vendor-01/05/2023 | Months Reserves exceed minimum required - 41.24 months reserves exceed 6 months required.<br>Qualifying DTI below maximum allowed - 13.39% DTI is less than 50% maximum. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 782622 | xxxxxx C A | Closed | xxxxxx | 2022-12-28 14:36 | 2022-12-30 11:22 | Resolved | 1 - Information C A | Property | Property Issue | FEMA declared disaster after the note date and appraisal date | Resolved-Received PDI which confirms no damage. - Due Diligence Vendor-12/30/2022 <br> Open--Public assistance available for xxxxxx.<br> - Private assistance available for xxxxxx.<br> - Due Diligence Vendor-12/28/2022 |  | Resolved-Received PDI which confirms no damage. - Due Diligence Vendor-12/30/2022 | Months Reserves exceed minimum required - 31.21 months reserves when 12 months required.<br>Long term residence - Borrower own primary residence from the past 10 years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 782627 | xxxxxx D B A | Closed | xxxxxx | 2022-12-28 12:04 | 2022-12-29 14:28 | Waived | 2 - Non-Material D B | Credit | Missing Doc - Credit | Missing EIN Number for Business Entity | Waived--Client Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 30+ points > minimum required<br> - Due Diligence Vendor-12/29/2022 <br> Open--Missing EIN number for xxxxxx. - Due Diligence Vendor-12/28/2022 |  | Waived--Client Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 30+ points > minimum required<br> - Due Diligence Vendor-12/29/2022 | Qualifying FICO score is at least 20 points above minimum for program - - FICO 693 exceeds the 599 minimum required.<br>LTV is less than guideline maximum - - LTV of 58.83% less than the 70% allowed. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Lender Initiated | Investor Post-Close | No | xxxxxx |
| 782627 | xxxxxx D B A | Closed | xxxxxx | 2022-12-28 12:03 | 2022-12-28 12:54 | Waived | 2 - Non-Material B | Property | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Waived--Public assistance FEMA disasters declared xxxxxx and xxxxxx in xxxxxx, No individual assistance provided at this time. Appraisal dated xxxxxx and note dated xxxxxx. - Due Diligence Vendor-12/28/2022 |  | Waived--Public assistance FEMA disasters declared xxxxxx and xxxxxx in xxxxxx, No individual assistance provided at this time. Appraisal dated xxxxxx and note dated xxxxxx. - Due Diligence Vendor-12/28/2022 | Qualifying FICO score is at least 20 points above minimum for program - - FICO 693 exceeds the 599 minimum required.<br>LTV is less than guideline maximum - - LTV of 58.83% less than the 70% allowed. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Lender Initiated | Investor Post-Close | No | xxxxxx |
| 782648 | xxxxxx C B A | Closed | xxxxxx | 2022-12-20 16:56 | 2022-12-29 12:25 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived--Client Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 20 points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 2 months or more<br> - Due Diligence Vendor-12/29/2022 <br> Counter--Payoff for xxxxxx #xxxxxx (subject) reflects due for 10/01/22 payment. However, missing documentation to support xxxxxx is due for 10/01/22 payment. Finding remains - Due Diligence Vendor-12/27/2022 <br> Open-Housing History Does Not Meet Guideline Requirements --Missing proof that September payment was made on time for xxxxxx Mortgage $3,985 and xxxxxx $3,983. Credit report dated 9/13/22 shows last activity of xxxxxx for both of these accounts with a closing date of xxxxxx. Program requires 0x 30 x 12 - Due Diligence Vendor-12/20/2022 |  | Waived--Client Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 20 points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 2 months or more<br> - Due Diligence Vendor-12/29/2022 | Qualifying FICO score is at least 20 points above minimum for program - - FICO 729 exceeds required 680.<br>Months Reserves exceed minimum required - - Reserves of 5.49 months exceeds required 3 months reserves. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 782718 | xxxxxx D B A | Closed | xxxxxx | 2023-01-03 13:58 | 2023-01-11 12:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Partial | Resolved-Upon further review, master policy reflects coverage. - Due Diligence Vendor-01/11/2023 <br> Counter--Client response: Please see attached survey showing that Unit xxxxxx (subject property) is located in xxxxxx. xxxxxx is covered under Policy #xxxxxx (which is not an insurance proposal, but insurance declarations). <br> - Policy #xxxxxx has the correct coverage. Our guidelines do not specify that $1 million in coverage is the minimum, only that the insurance policy be written at replacement cost, which it is. The coverage is adequate.<br> -(AUDIT RESPONSE) - Guidelines xxxxxx: Condominium states that the condominium project must meet all xxxxxx insurance requirements for property, liability (xxxxxx requires $1MM) and fidelity coverage, none of which this policy contains. Finding remains - Due Diligence Vendor-01/10/2023 <br> Counter--Received same policy already in file and reviewed. --Unable to determine if Master policy in file provides sufficient coverage for both subject property unit and building. - Master policy from xxxxxx , policy #xxxxxx reflect Coverage for xxxxxx and limit of insurance xxxxxx. Does not support guideline requirement of $1million coverage. Also, does not reflect Borrower name and unit address. - File also contain Commercial Insurance proposal with sufficient coverage. However, document is a proposal and not a policy binder. Also, does not reflect Subject unit address and reflect xxxxxx. Appraisal only reflect total xxxxxx units but did not document total number of buildings in the project. - Due Diligence Vendor-01/06/2023 <br> Open-HO-6 Master Insurance Policy Partially Provided - Unable to determine if Master policy in file provides sufficient coverage for both subject property unit and building.<br> - Master policy from xxxxxx , policy #xxxxxx reflect Coverage for xxxxxx and limit of insurance xxxxxx. Does not support guideline requirement of $1million coverage. Also, does not reflect Borrower name and unit address. <br> - File also contain Commercial Insurance proposal with sufficient coverage. However, document is a proposal and not a policy binder. Also, does not reflect Subject unit address and reflect xxxxxx. Appraisal only reflect total xxxxxx units but did not document total number of buildings in the project. - Due Diligence Vendor-01/03/2023 |  | Resolved-Upon further review, master policy reflects coverage. - Due Diligence Vendor-01/11/2023 | Months Reserves exceed minimum required - - Months Reserves 8 exceed minimum required 3.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 719 is at least 20 points above minimum for program 620. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 782718 | xxxxxx D B A | Closed | xxxxxx | 2023-01-03 14:58 | 2023-01-11 11:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved--Agree, no additional documentation required - Due Diligence Vendor-01/11/2023 <br> Ready for Review-Section 4A of underwriting guidelines states, "Every mortgage loan must contain an automated fraud and data check tool such as xxxxxx associated for each individual borrower or guarantor," not borrowing entity. Applies to individuals, not entities. - Seller-01/11/2023 <br> Open-Third Party Fraud Report Partially Provided - Missing Clear background report for Borrowing entity: xxxxxx - Due Diligence Vendor-01/03/2023 | Ready for Review-Section 4A of underwriting guidelines states, "Every mortgage loan must contain an automated fraud and data check tool such as xxxxxx associated for each individual borrower or guarantor," not borrowing entity. Applies to individuals, not entities. - Seller-01/11/2023 | Resolved--Agree, no additional documentation required - Due Diligence Vendor-01/11/2023 | Months Reserves exceed minimum required - - Months Reserves 8 exceed minimum required 3.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 719 is at least 20 points above minimum for program 620. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 782718 | xxxxxx D B A | Closed | xxxxxx | 2023-01-03 13:34 | 2023-01-11 11:40 | Resolved | 1 - Information D A | Property | Missing Doc | Missing Appraisal photos | Resolved--from the seller: All the comps (both rental and sales) are from the same project so it is acceptable to have the same photo. <br> -(AUDIT RESPONSE) - Agree - Due Diligence Vendor-01/11/2023 <br> Ready for Review-from the seller: All the comps (both rental and sales) are from the same project, so it is acceptable to have the same photo. - Buyer-01/11/2023 <br> Open-- Appraisal pictures include "Gated Development entry picture" for both Comps and Rental comps used for both Appraisal and monthly market rent valuation. - Due Diligence Vendor-01/03/2023 |  | Resolved--from the seller: All the comps (both rental and sales) are from the same project so it is acceptable to have the same photo. <br> -(AUDIT RESPONSE) - Agree - Due Diligence Vendor-01/11/2023 | Months Reserves exceed minimum required - - Months Reserves 8 exceed minimum required 3.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 719 is at least 20 points above minimum for program 620. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 782718 | xxxxxx D B A | Closed | xxxxxx | 2023-01-03 16:34 | 2023-01-06 10:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Required forms/disclosures missing | Resolved--Received fully executed document - Due Diligence Vendor-01/06/2023 <br> Open--Per guideline require an executed and assignable Automatic Debit Payment Agreement (ACH) form for the borrower (responsible individual). Borrowing entity must provide a valid phone number and e-mail address. - Due Diligence Vendor-01/03/2023 |  | Resolved--Received fully executed document - Due Diligence Vendor-01/06/2023 | Months Reserves exceed minimum required - - Months Reserves 8 exceed minimum required 3.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 719 is at least 20 points above minimum for program 620. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 782718 | xxxxxx D B A | Closed | xxxxxx | 2023-01-03 14:43 | 2023-01-06 10:01 | Resolved | 1 - Information C A | Credit | Eligibility | Condo does not meet requirements | Resolved--Received condo questionnaire - Due Diligence Vendor-01/06/2023 <br> Open-- Asset Summary report reflect majority of the units in the condo project are used as an investment property. Appraisal reflect xxxxxx units rented out of total units xxxxxx. Therefore, considered non-warrantable. Condo questionnaire missing in file. Document following guideline requirement are met to be eligible as non-warrantable condo:<br> - Annual budget specifies a minimum of 5% allocation of replacement reserves. <br> - Questionnaire to reflect litigation status. No more than 20% of the total units in the project may be 60 days or more past due on HOA fees.<br> - Single Entity Ownership is up to a maximum of 25%<br> - Due Diligence Vendor-01/03/2023 |  | Resolved--Received condo questionnaire - Due Diligence Vendor-01/06/2023 | Months Reserves exceed minimum required - - Months Reserves 8 exceed minimum required 3.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 719 is at least 20 points above minimum for program 620. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 782718 | xxxxxx D B A | Closed | xxxxxx | 2023-01-03 13:58 | 2023-01-04 14:05 | Waived | 2 - Non-Material B | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Waived-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx - Per Settlement statement Disbursement date xxxxxx. Client waiver applied to non material finding. - Due Diligence Vendor-01/03/2023 |  | Waived-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx - Per Settlement statement Disbursement date xxxxxx. Client waiver applied to non material finding. - Due Diligence Vendor-01/03/2023 | Months Reserves exceed minimum required - - Months Reserves 8 exceed minimum required 3.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 719 is at least 20 points above minimum for program 620. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 782775 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 782973 | xxxxxx D B A | Closed | xxxxxx | 2023-01-24 14:51 | 2023-02-02 18:28 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Employment Self-Employed Less Than 2 Years at Origination | Waived--Client Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Reserves exceed requirement by 10 months or more / Compensating Factor 2 - DTI <= 36% which is below requirement in guidelines / Compensating Factor 3 - Credit Score 30+ points > minimum required<br> - Due Diligence Vendor-02/02/2023 <br> Open-1003 and CPA state borrower Self-Employed 33 months or from 4/30/2020 to date. Borrower states on LOE only self-employed for 19 months dated 10/26/2022. 20 months bank statements provided with initial opening date of 4/26/2021. No lender exception for less than 24 months self-employment request in file. - Due Diligence Vendor-01/24/2023 |  | Waived--Client Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Reserves exceed requirement by 10 months or more / Compensating Factor 2 - DTI <= 36% which is below requirement in guidelines / Compensating Factor 3 - Credit Score 30+ points > minimum required<br> - Due Diligence Vendor-02/02/2023 | Months Reserves exceed minimum required - - Verified 24 months reserves are 12 months greater than required 12 months.<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 739 is 39 points higher than required 700<br>Qualifying DTI below maximum allowed - - DTI 35.12% is 7.88% lower than maximum 43% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 782973 | xxxxxx D B A | Closed | xxxxxx | 2023-01-24 13:10 | 2023-01-30 10:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved--Received Bank statement worksheet - Due Diligence Vendor-01/30/2023 <br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - 3 Bank Statement work sheets in file are illegible. <br> - Due Diligence Vendor-01/24/2023 |  | Resolved--Received Bank statement worksheet - Due Diligence Vendor-01/30/2023 | Months Reserves exceed minimum required - - Verified 24 months reserves are 12 months greater than required 12 months.<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 739 is 39 points higher than required 700<br>Qualifying DTI below maximum allowed - - DTI 35.12% is 7.88% lower than maximum 43% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 783505 | xxxxxx C B A | Closed | xxxxxx | 2023-02-15 11:34 | 2023-02-23 11:08 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved--Received updated statement - Due Diligence Vendor-02/23/2023 <br> Open-Asset Record 2 Does Not Meet G/L Requirements - xxxxxx account #xxxxxx statement dated 11/3/22 is expired at 98 days old which exceeds 90 days. These funds are needed to meet reserve requirements. - Due Diligence Vendor-02/15/2023 |  | Resolved--Received updated statement - Due Diligence Vendor-02/23/2023 | Months Reserves exceed minimum required - Months Reserves 12 exceed minimum required 6<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 738 exceeds 660 required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 783505 | xxxxxx C B A | Closed | xxxxxx | 2023-02-15 10:33 | 2023-02-15 13:07 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Client waiver applied to non-material finding - Due Diligence Vendor-02/15/2023 |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Client waiver applied to non-material finding - Due Diligence Vendor-02/15/2023 | Months Reserves exceed minimum required - Months Reserves 12 exceed minimum required 6<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 738 exceeds 660 required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 783727 | xxxxxx D B A | Closed | xxxxxx | 2023-02-09 13:30 | 2023-02-15 13:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved--Received corrected 1003 - Due Diligence Vendor-02/15/2023 <br> Open--Employment on 1003 reflects business name "xxxxxx xxxxxx" and business start date xxxxxx. 1003 needs to be updated to reflect 2+ year history. CPA letter does support self employment since xxxxxx. - Due Diligence Vendor-02/09/2023 |  | Resolved--Received corrected 1003 - Due Diligence Vendor-02/15/2023 | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 752 is at least 20 points above minimum for program 680.<br>Months Reserves exceed minimum required - - Months Reserves 11 exceed minimum required 6. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 783727 | xxxxxx D B A | Closed | xxxxxx | 2023-01-23 19:22 | 2023-02-09 13:28 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived--Waiver applied to exception to guidelines for rental income. - Due Diligence Vendor-02/09/2023 <br> Counter--Client Response: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 30+ points > minimum required / Compensating Factor 3 - Residual income more than 2.5x the amount required by guidelines<br> - AUDIT RESPONSE: Rec'd Operating Agmt for xxxxxx with a date of xxxxxx and 100% ownership - does not verify a two year history of employment and nothing was provided for xxxxxx xxxxxx; Rec'd Exception request for proof of two months rental income on xxxxxx - but nothing for other property - xxxxxx which does not have two months evidence of receipt either. Unable to determine if granted exception is for all issues or just for the xxxxxx property missing two months receipt of rental income. - Due Diligence Vendor-02/08/2023 <br> Open-Income and Employment Do Not Meet Guidelines -1003 reflect business name "xxxxxx xxxxxx", income $19295 and business start date xxxxxx <2 years ownership. However, qualifying income based 12 month business bank statement from acct xxxxxxxx and account holder : xxxxxx. Tax preparer letter in file confirm Borrower self employed since xxxxxx. But, does not list Business name and ownership percentage of that business. Thereby, does not meet guideline requirement to support the borrower's self-employment in a legitimate and active business covering the most recent two years.<br>- REO xxxxxx, lease reflect monthly rent $1250 and $1800 and xxxxxx, lease reflect monthly rent $1250. However, does not meet guideline requirement of proof of rent receipt for at least 2 months. - Due Diligence Vendor-01/24/2023 |  | Waived--Waiver applied to exception to guidelines for rental income. - Due Diligence Vendor-02/09/2023 | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 752 is at least 20 points above minimum for program 680.<br>Months Reserves exceed minimum required - - Months Reserves 11 exceed minimum required 6. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 783727 | xxxxxx D B A | Closed | xxxxxx | 2023-01-23 18:50 | 2023-01-31 13:57 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved--Received Counter Offer addendum - Due Diligence Vendor-01/31/2023 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. - Provide residential agreement reflecting purchase price xxxxxx as on the CD. Agreement in file reflect sales price xxxxxx. - Due Diligence Vendor-01/23/2023 |  | Resolved--Received Counter Offer addendum - Due Diligence Vendor-01/31/2023 | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 752 is at least 20 points above minimum for program 680.<br>Months Reserves exceed minimum required - - Months Reserves 11 exceed minimum required 6. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 783727 | xxxxxx D B A | Closed | xxxxxx | 2023-01-23 19:11 | 2023-01-31 13:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Income) | Resolved--Client response: from the seller: Bank statements for account xxxxxx are from 10-2021 through 11-2022 and show that the SBA payment is not recurring. Additionally the credit report dated 11/17/22 and gap report dated 12/13/22 show that there is no SBA account in borrower's name and therefore is not a personal loan. <br> - AUDIT REPONSE: Agree, subsequent statements do not show reoccurring payments and no personal loan reflected on credit report. - Due Diligence Vendor-01/31/2023 <br> Open--Qualifying income based on deposit to 12 month business bank statement. xxxxxx, account xxxxxxxx- 8/31/2022 statement reflect $1011 SBA loan payment. Provide documentation to support that this is not a re-occurring payment and not a personal loan. - Due Diligence Vendor-01/24/2023 |  | Resolved--Client response: from the seller: Bank statements for account xxxxxx are from 10-2021 through 11-2022 and show that the SBA payment is not recurring. Additionally the credit report dated 11/17/22 and gap report dated 12/13/22 show that there is no SBA account in borrower's name and therefore is not a personal loan. <br> - AUDIT REPONSE: Agree, subsequent statements do not show reoccurring payments and no personal loan reflected on credit report. - Due Diligence Vendor-01/31/2023 | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 752 is at least 20 points above minimum for program 680.<br>Months Reserves exceed minimum required - - Months Reserves 11 exceed minimum required 6. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 783752 | xxxxxx D B A C | Closed | xxxxxx | 2023-01-27 11:06 | 2025-09-19 11:32 | Resolved | 1 - Information B A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-- 2.3.2023 received xxxxxx CR dated 2/1/2023 With a new tradeline xxxxxx and DTI within tolerance. - Due Diligence Vendor-09/19/2025 <br> Open-Borrower 2 Gap Credit Report is Missing - For Co-Borrower-Provide xxxxxx credit report no later than 10 days prior to funding (12/6/2022). File contain xxxxxx credit for Borrower. DTI 27.61%. - Due Diligence Vendor-01/27/2023 |  | Resolved-- 2.3.2023 received xxxxxx CR dated 2/1/2023 With a new tradeline xxxxxx and DTI within tolerance. - Due Diligence Vendor-09/19/2025 | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 682 is at least 20 points above minimum for program 660.<br>Qualifying DTI below maximum allowed - - Qualifying DTI 27% below maximum allowed 50%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 783752 | xxxxxx D B A C | Closed | xxxxxx | 2023-02-03 14:54 | 2023-02-10 14:47 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved--Evidence of receipt not required - Due Diligence Vendor-02/10/2023 <br> Counter-This loan failed the revised closing disclosure delivery date test. Missing evidence borrower received revised CD dated xxxxxx. Statute of Limitations - three years. - Due Diligence Vendor-02/03/2023 |  | Resolved--Evidence of receipt not required - Due Diligence Vendor-02/10/2023 | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 682 is at least 20 points above minimum for program 660.<br>Qualifying DTI below maximum allowed - - Qualifying DTI 27% below maximum allowed 50%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 783752 | xxxxxx D B A C | Closed | xxxxxx | 2023-01-24 11:43 | 2023-02-03 14:56 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Documents received xxxxxx provided borrower's e-sign date for initial cd which resolved this finding. - Due Diligence Vendor-02/03/2023 <br> Open-This loan failed the initial closing disclosure delivery date test. Missing evidence of receipt of initial Cd xxxxxx by borrower a minimum 3 days prior to closing. Statute of Limitations - three years. - Due Diligence Vendor-01/26/2023 |  | Resolved-Documents received xxxxxx provided borrower's e-sign date for initial cd which resolved this finding. - Due Diligence Vendor-02/03/2023 | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 682 is at least 20 points above minimum for program 660.<br>Qualifying DTI below maximum allowed - - Qualifying DTI 27% below maximum allowed 50%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 783752 | xxxxxx D B A C | Closed | xxxxxx | 2023-01-27 10:51 | 2023-02-03 14:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved--2.3.2023 Received inquiry letter dated no new debt established. - Due Diligence Vendor-02/03/2023 <br> Open-- File contain an explanation from Borrower for recent inquiries on the credit. However, xxxxxx credit dated 12/2/2022 reflect recent inquiry on 11/12/2022-from xxxxxx. provide an explanation and document payment terms if following inquiries resulted in a new account.<br> Also, Co-Borrower to provide an explanation and document payment terms if following inquiries resulted in a new account:<br> -11/8/2022- xxxxxx/ xxxxxx.<br> -11/4/2022-xxxxxx/xxxxxx/xxxxxx/xxxxxx/xxxxxx.<br> -10/17/2022- xxxxxx xxxxxx xxxxxx.<br> -10/7/2022-xxxxxx. - Due Diligence Vendor-01/27/2023 |  | Resolved--2.3.2023 Received inquiry letter dated no new debt established. - Due Diligence Vendor-02/03/2023 | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 682 is at least 20 points above minimum for program 660.<br>Qualifying DTI below maximum allowed - - Qualifying DTI 27% below maximum allowed 50%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 783752 | xxxxxx D B A C | Closed | xxxxxx | 2023-01-27 11:35 | 2023-01-30 11:01 | Waived | 2 - Non-Material B | Property | Property Issue | FEMA declared disaster after the note date and appraisal date | Waived--FEMA disaster declaration xxxxxxxx and xxxxxxxx, declaration date xxxxxx; xxxxxx; Public assistance available for xxxxxx. After the Note date xxxxxx, After Appraisal date xxxxxx. Missing post disaster inspection report. Client waiver applied to non material finding - Due Diligence Vendor-01/27/2023 |  | Waived--FEMA disaster declaration xxxxxxxx and xxxxxxxx, declaration date xxxxxx; xxxxxx; Public assistance available for xxxxxx. After the Note date xxxxxx, After Appraisal date xxxxxx. Missing post disaster inspection report. Client waiver applied to non material finding - Due Diligence Vendor-01/27/2023 | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 682 is at least 20 points above minimum for program 660.<br>Qualifying DTI below maximum allowed - - Qualifying DTI 27% below maximum allowed 50%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 783763 | xxxxxx D A | Closed | xxxxxx | 2023-01-30 15:16 | 2023-02-03 13:34 | 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 - Rec'd Closing VVOE in trailing docs. - Due Diligence Vendor-02/03/2023 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - VVOE in file is missing date of verification. - Due Diligence Vendor-01/30/2023 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Rec'd Closing VVOE in trailing docs. - Due Diligence Vendor-02/03/2023 | Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 777 is 117 points Higher than required 660<br>Months Reserves exceed minimum required - - Verified 30.71 months reserves are greater than required 0 months. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 783869 | xxxxxx C B A | Closed | xxxxxx | 2023-01-13 11:54 | 2025-09-20 16:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived--The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 30+ points > minimum required / Compensating Factor 3 - DSCR > 1.3 - Due Diligence Vendor-01/20/2023 <br> Open--Property is ineligible and does not meet minimum property standards: xxxxxx > max of 5 acres; Zoning Agricultural is not eligible-Zoning is xxxxxx; Property deemed xxxxxx with one comparable > xxxxxx from subject - Rural properties are not eligible. Lender exception request and Client exception approval not provided. - Due Diligence Vendor-01/13/2023 |  | Waived--The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 30+ points > minimum required / Compensating Factor 3 - DSCR > 1.3 - Due Diligence Vendor-01/20/2023 | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 63 points above minimum required.<br>LTV is less than guideline maximum - - Calculated LTV is 5% below guideline max.<br>DSCR % greater than 1.20 - DSCR is 2.26 | -Distance to schools and amenities is less than 25 miles<br> - Property is marked as xxxxxx<br> - Over 75% of the surrounding area is developed | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 783869 | xxxxxx C B A | Closed | xxxxxx | 2023-01-13 12:43 | 2023-01-17 09:59 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived--Client Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> - Due Diligence Vendor-01/17/2023 <br> Open-Audited Reserves of 1.99 month(s) are less than Guideline Required Reserves of 3 month(s) -3 months reserves required and file contains documentation (60 days) , however, insufficient to support reserves. - Due Diligence Vendor-01/13/2023 |  | Waived--Client Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> - Due Diligence Vendor-01/17/2023 | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 63 points above minimum required.<br>LTV is less than guideline maximum - - Calculated LTV is 5% below guideline max.<br>DSCR % greater than 1.20 - DSCR is 2.26 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 783869 | xxxxxx C B A | Closed | xxxxxx | 2023-01-13 11:51 | 2023-01-16 08:56 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Contract extension not provided. Client waiver applied to non material findin - Due Diligence Vendor-01/13/2023 |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Contract extension not provided. Client waiver applied to non material findin - Due Diligence Vendor-01/13/2023 | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO is 63 points above minimum required.<br>LTV is less than guideline maximum - - Calculated LTV is 5% below guideline max.<br>DSCR % greater than 1.20 - DSCR is 2.26 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 783885 | xxxxxx D B A | Closed | xxxxxx | 2023-01-27 10:38 | 2023-01-31 06:25 | Resolved | 1 - Information C A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved--LOE provided - Due Diligence Vendor-01/31/2023 <br> Ready for Review-Document Uploaded. The explanation was already provided in the file upload (see page 514 out of 768). However, for convenience I've re-uploaded it here. - Seller-01/27/2023 <br> Open-Provide explanation as to how borrower is an xxxxxx in xxxxxx, yet has a primary residence in xxxxxx. - Due Diligence Vendor-01/27/2023 | Ready for Review-Document Uploaded. The explanation was already provided in the file upload (see page 514 out of 768). However, for convenience I've re-uploaded it here. - Seller-01/27/2023 | Resolved--LOE provided - Due Diligence Vendor-01/31/2023 | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 747 is at least 20 points above minimum for program 660.<br>Qualifying DTI below maximum allowed - - Qualifying DTI 24% below maximum allowed 50%.<br>LTV is less than guideline maximum - - LTV 60% is less than guideline maximum 80%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 783885 | xxxxxx D B A | Closed | xxxxxx | 2023-01-26 12:09 | 2023-01-31 06:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved--Received documentation to support property was sold - Due Diligence Vendor-01/31/2023 <br> Ready for Review-Document Uploaded. See attached property profile and revised 1003 REO section showing sold for xxxxxx. - Seller-01/27/2023 <br> Open-- 1003 reflects Borrower residing at subject property address in xxxxxx for the past 1 year. The prior address shows he owned :xxxxxx. No documentation in file to support property in xxxxxx was sold or current status. Provide explanation to support ownership status. If Borrower currently own the property in xxxxxx, will require documentation to support PITIA. <br> - Due Diligence Vendor-01/26/2023 | Ready for Review-Document Uploaded. See attached property profile and revised 1003 REO section showing sold for xxxxxx. - Seller-01/27/2023 | Resolved--Received documentation to support property was sold - Due Diligence Vendor-01/31/2023 | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 747 is at least 20 points above minimum for program 660.<br>Qualifying DTI below maximum allowed - - Qualifying DTI 24% below maximum allowed 50%.<br>LTV is less than guideline maximum - - LTV 60% is less than guideline maximum 80%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 783885 | xxxxxx D B A | Closed | xxxxxx | 2023-01-26 09:49 | 2023-01-27 10:40 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program - Appraisal reflect xxxxxx. This is a custom home in a xxxxxx Area sitting on xxxxxx; some comps are outside of the xxxxxx radius due to its unique characteristics. Lender exception in file approved by the Client. - Due Diligence Vendor-01/27/2023 |  | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program - Appraisal reflect xxxxxx. This is a custom home in a xxxxxx Area sitting on xxxxxx; some comps are outside of the xxxxxx radius due to its unique characteristics. Lender exception in file approved by the Client. - Due Diligence Vendor-01/27/2023 | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 747 is at least 20 points above minimum for program 660.<br>Qualifying DTI below maximum allowed - - Qualifying DTI 24% below maximum allowed 50%.<br>LTV is less than guideline maximum - - LTV 60% is less than guideline maximum 80%. | -20% below LTV Max<br> - Low DTI < 43% | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 783900 | xxxxxx D A C | Closed | xxxxxx | 2023-02-16 12:41 | 2025-09-17 15:09 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 42.49% is less than or equal to Guideline DTI of 50%, with exclusion of Upstart Installment paid at closing. - Due Diligence Vendor-02/16/2023 <br> Open-Audited DTI of 50.85% exceeds Guideline DTI of 50% - Due Diligence Vendor-02/16/2023 |  | Resolved-Audited DTI of 42.49% is less than or equal to Guideline DTI of 50%, with exclusion of Upstart Installment paid at closing. - Due Diligence Vendor-02/16/2023 | Verified employment history exceeds guidelines - - Borrower 1 has been self employed for 15 years<br>Residual Income =/> 1.5 times $3,500 monthly residual income - - Residual Income is $6,523.07 per month. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 783900 | xxxxxx D A C | Closed | xxxxxx | 2023-02-14 18:21 | 2025-09-17 14:17 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved--Removal of B2 income to qualify. - Due Diligence Vendor-02/16/2023 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. - VVOE for B2 prior employer not provided to complete 2 years history. - Due Diligence Vendor-02/16/2023 |  | Resolved--Removal of B2 income to qualify. - Due Diligence Vendor-02/16/2023 | Verified employment history exceeds guidelines - - Borrower 1 has been self employed for 15 years<br>Residual Income =/> 1.5 times $3,500 monthly residual income - - Residual Income is $6,523.07 per month. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 783900 | xxxxxx D A C | Closed | xxxxxx | 2023-02-23 14:20 | 2023-03-02 11:57 | Resolved | 1 - Information C A | Credit | Insurance | Flood Insurance Effective Date is after the Note Date | Resolved--Received email communication from Insurance co stating effective date of flood policy is xxxxxx, Post close CD reflects a disbursement date xxxxxx - Due Diligence Vendor-03/02/2023 <br> Open-Flood Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Due Diligence Vendor-02/23/2023 |  | Resolved--Received email communication from Insurance co stating effective date of flood policy is xxxxxx, Post close CD reflects a disbursement date xxxxxx - Due Diligence Vendor-03/02/2023 | Verified employment history exceeds guidelines - - Borrower 1 has been self employed for 15 years<br>Residual Income =/> 1.5 times $3,500 monthly residual income - - Residual Income is $6,523.07 per month. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 783900 | xxxxxx D A C | Closed | xxxxxx | 2023-02-14 14:49 | 2023-03-02 11:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Partially Provided | Resolved--Received flood policy - Due Diligence Vendor-02/23/2023 <br> Counter--Received Flood Insurance application with a date payment received of 00/00/0. Provide Flood policy. - Due Diligence Vendor-02/22/2023 <br> Open-Flood Insurance Policy Partially Provided - Proof of flood insurance provided is only a quoted application. Missing proof of actual flood insurance of xxxxxx. - Due Diligence Vendor-02/14/2023 |  | Resolved--Received flood policy - Due Diligence Vendor-02/23/2023 | Verified employment history exceeds guidelines - - Borrower 1 has been self employed for 15 years<br>Residual Income =/> 1.5 times $3,500 monthly residual income - - Residual Income is $6,523.07 per month. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 783900 | xxxxxx D A C | Closed | xxxxxx | 2023-02-14 14:49 | 2023-03-02 11:55 | Resolved | 1 - Information C A | Credit | Insurance | Subject loan is in Flood Zone and Notice of Special Flood Hazard Disclosure Not Completed | Resolved--Received disclosure - Due Diligence Vendor-02/23/2023 <br> Open-Subject Property is in Flood Zone xxxxxx but Notice of Special Flood Hazard Disclosure was not provided - Missing Notice of Special Flood Hazard Disclosure signed and dated by both borrowers. - Due Diligence Vendor-02/14/2023 |  | Resolved--Received disclosure - Due Diligence Vendor-02/23/2023 | Verified employment history exceeds guidelines - - Borrower 1 has been self employed for 15 years<br>Residual Income =/> 1.5 times $3,500 monthly residual income - - Residual Income is $6,523.07 per month. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 783900 | xxxxxx D A C | Closed | xxxxxx | 2023-02-17 10:20 | 2023-03-01 08:30 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved--Received PCCD xxxxxx with correction(s) - Due Diligence Vendor-03/01/2023 <br> Open--NEW - This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $5,806.53. Provide COC for all fee increases from initial LE to final CD. IF COCs cannot be provided, provide evidence of refund to borrower in the amount of $5806.53, LOX and evidence of delivery to borrower within 60 days of consummation. - Due Diligence Vendor-02/17/2023 |  | Resolved--Received PCCD xxxxxx with correction(s) - Due Diligence Vendor-03/01/2023 | Verified employment history exceeds guidelines - - Borrower 1 has been self employed for 15 years<br>Residual Income =/> 1.5 times $3,500 monthly residual income - - Residual Income is $6,523.07 per month. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 783900 | xxxxxx D A C | Closed | xxxxxx | 2023-02-17 10:20 | 2023-02-24 09:38 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved--Received PCCD xxxxxx - Due Diligence Vendor-02/24/2023 <br> Counter--This loan failed the charges that in total cannot increase more than 10% test by $554.70. Document prep increased from $0 to $200.00, Notary Fee increased from $375 to 875.00, Settlement or Closing Cost increased from $850.00 to $925.00 and Recording Fee increased from $475.00 to $525.00 for a total variance of $554.70 Provide all COC for fee increases and associated LEs and/or CDs. IF COCs cannot be provided, provide evidence of refund to borrower in the amount of $554.70, LOX and evidence of delivery to borrower within 60 days of consummation . - Due Diligence Vendor-02/22/2023 <br> Open--NEW - This loan failed the charges that in total cannot increase more than 10% test by $2473. Provide all COC for fee increases and associated LEs and/or CDs. IF COCs cannot be provided, provide evidence of refund to borrower in the amount of $2473, LOX and evidence of delivery to borrower within 60 days of conaummation. - Due Diligence Vendor-02/17/2023 |  | Resolved--Received PCCD xxxxxx - Due Diligence Vendor-02/24/2023 | Verified employment history exceeds guidelines - - Borrower 1 has been self employed for 15 years<br>Residual Income =/> 1.5 times $3,500 monthly residual income - - Residual Income is $6,523.07 per month. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 783900 | xxxxxx D A C | Closed | xxxxxx | 2023-02-14 17:13 | 2023-02-23 14:22 | Resolved | 1 - Information C A | Property | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Resolved--Received disaster inspection report with no damage observed - Due Diligence Vendor-02/23/2023 <br> Open--FEMA disaster xxxxxx declared xxxxxx Individual assistance provided in xxxxxx, disaster xxxxxx declared xxxxxx public assistance provided in xxxxxx. Appraisal done xxxxxx and note dated xxxxxx. - Due Diligence Vendor-02/14/2023 |  | Resolved--Received disaster inspection report with no damage observed - Due Diligence Vendor-02/23/2023 | Verified employment history exceeds guidelines - - Borrower 1 has been self employed for 15 years<br>Residual Income =/> 1.5 times $3,500 monthly residual income - - Residual Income is $6,523.07 per month. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 783900 | xxxxxx D A C | Closed | xxxxxx | 2023-02-14 17:24 | 2023-02-17 10:21 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved--Received initial CD - Due Diligence Vendor-02/17/2023 <br> Open-Missing evidence borrower received a CD a minimum of 3 days prior to consummation date. Statute of Limitations - three years. - Due Diligence Vendor-02/14/2023 |  | Resolved--Received initial CD - Due Diligence Vendor-02/17/2023 | Verified employment history exceeds guidelines - - Borrower 1 has been self employed for 15 years<br> Residual Income =/> 1.5 times $3,500 monthly residual income - - Residual Income is $6,523.07 per month. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 783900 | xxxxxx D A C | Closed | xxxxxx | 2023-02-14 10:40 | 2023-02-17 10:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved--Received initial LE - Due Diligence Vendor-02/17/2023 <br> Open--Missing initial LE dated within 3 days of Application date xxxxxx. - Statute of Limitations - Three Years - Due Diligence Vendor-02/14/2023 |  | Resolved--Received initial LE - Due Diligence Vendor-02/17/2023 | Verified employment history exceeds guidelines - - Borrower 1 has been self employed for 15 years<br>Residual Income =/> 1.5 times $3,500 monthly residual income - - Residual Income is $6,523.07 per month. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 783900 | xxxxxx D A C | Closed | xxxxxx | 2023-02-14 11:19 | 2023-02-16 12:48 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved--B2 income no longer used to qualify and B1 was previously renting prior to moving into subject property. - Due Diligence Vendor-02/16/2023 <br> Open--Borrower 1 final 1003 is incorrect. Page 1 current address is xxxxxx and has rented for 20 years, Section 3 Property you own has the Co-Borrower address xxxxxx as primary occupancy and retained. Final 1003 for B1 needs to be corrected<br> - Final 1003 for B2 needs to be provided, which reflects 2+ years of employment history. - Due Diligence Vendor-02/15/2023 |  | Resolved--B2 income no longer used to qualify and B1 was previously renting prior to moving into subject property. - Due Diligence Vendor-02/16/2023 | Verified employment history exceeds guidelines - - Borrower 1 has been self employed for 15 years<br>Residual Income =/> 1.5 times $3,500 monthly residual income - - Residual Income is $6,523.07 per month. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 783900 | xxxxxx D A C | Closed | xxxxxx | 2023-02-14 15:22 | 2023-02-16 12:44 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 2 Total Years Employment Verified is Less Than 24 Months | Resolved--B2 income removed from qualifying income. - Due Diligence Vendor-02/16/2023 <br>Open-Borrower 2 Total Years Employment Verified is Less Than 24 Months - B2 has been at her current employer less than two years. Total of 14 months at current employer. 1003 does not list prior employer and no VVOE in file from prior employer to complete two years verification. - Due Diligence Vendor-02/14/2023 |  | Resolved--B2 income removed from qualifying income. - Due Diligence Vendor-02/16/2023 | Verified employment history exceeds guidelines - - Borrower 1 has been self employed for 15 years<br>Residual Income =/> 1.5 times $3,500 monthly residual income - - Residual Income is $6,523.07 per month. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 783910 | xxxxxx C B A | Closed | xxxxxx | 2023-02-13 11:08 | 2023-02-17 19:33 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved--Borrower has $44,347.30 in own funds provided to contribute to closing. 5% is met. - Due Diligence Vendor-02/17/2023 <br> Open-Asset Qualification Does Not Meet Guideline Requirements - Borrower 5% contribution not met. CD dated xxxxxx shows cash to close required $90,179.93 - $77,500 total gifts = $12,679.93 contributed by borrower. Required amount is $16,250. - Due Diligence Vendor-02/13/2023 |  | Resolved--Borrower has $44,347.30 in own funds provided to contribute to closing. 5% is met. - Due Diligence Vendor-02/17/2023 | LTV is less than guideline maximum - -75% LTV less than the 80% allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 762 is at least 20 points above minimum for program |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 783910 | xxxxxx C B A | Closed | xxxxxx | 2023-02-11 06:09 | 2023-02-17 10:33 | Resolved | 1 - Information C A | Compliance | Disclosure | State Disclosure Missing or Incomplete | Resolved--Required disclosures are in the file, nothing further is needed - Due Diligence Vendor-02/17/2023 <br> Open-Missing the following state specific disclosures, (1) xxxxxx Company Disclosure/Consumer Complaint-Recovery Fund Notice, (2) xxxxxx Anti-Coercion Notice, (3) Notice Concerning Extension of Credit Defined by Section 50(a)(6) and (4) Acknowledgement of Fair Market Value of xxxxxx Property. Statute of Limitations - three years.<br>- Due Diligence Vendor-02/11/2023 |  | Resolved--Required disclosures are in the file, nothing further is needed - Due Diligence Vendor-02/17/2023 | LTV is less than guideline maximum - -75% LTV less than the 80% allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 762 is at least 20 points above minimum for program |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 783910 | xxxxxx C B A | Closed | xxxxxx | 2023-02-11 06:23 | 2023-02-13 17:35 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing - Client waiver applied to non-material finding - Due Diligence Vendor-02/13/2023 |  | Waived-Required Affiliated Business Disclosure Missing - Client waiver applied to non-material finding - Due Diligence Vendor-02/13/2023 | LTV is less than guideline maximum - -75% LTV less than the 80% allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 762 is at least 20 points above minimum for program |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 783910 | xxxxxx C B A | Closed | xxxxxx | 2023-02-13 10:26 | 2023-02-13 17:34 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Client waiver applied to non-material finding - Due Diligence Vendor-02/13/2023 |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Client waiver applied to non-material finding - Due Diligence Vendor-02/13/2023 | LTV is less than guideline maximum - -75% LTV less than the 80% allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 762 is at least 20 points above minimum for program |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 784023 | xxxxxx D A | Closed | xxxxxx | 2023-03-09 16:15 | 2025-09-20 17:52 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved--Received Affidavit of Mortgage removing Condo Rider and adding PUD Rider - Due Diligence Vendor-03/21/2023 <br> Open-PUD Rider is Missing Property is a Detached PUD and only a Condo Rider was provided; missing PUD Rider. - Due Diligence Vendor-03/09/2023 |  | Resolved--Received Affidavit of Mortgage removing Condo Rider and adding PUD Rider - Due Diligence Vendor-03/21/2023 | Qualifying FICO score is at least 20 points above minimum for program - -796 qualifying FICO > 720 guideline minimum.<br>LTV is less than guideline maximum - - Calculated 60% LTV < 80% guideline max.<br>Months Reserves exceed minimum required - - Verified 44 months reserves; only 12 months required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 784023 | xxxxxx D A | Closed | xxxxxx | 2023-03-09 16:54 | 2023-03-21 08:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved--Received gap report - Due Diligence Vendor-03/21/2023 <br>Open-Borrower 1 Gap Credit Report is Missing - Missing Gap/Credit Refresh Report within 10 days of closing for both borrowers. - Due Diligence Vendor-03/09/2023 |  | Resolved--Received gap report - Due Diligence Vendor-03/21/2023 | Qualifying FICO score is at least 20 points above minimum for program - -796 qualifying FICO > 720 guideline minimum.<br>LTV is less than guideline maximum - - Calculated 60% LTV < 80% guideline max.<br>Months Reserves exceed minimum required - - Verified 44 months reserves; only 12 months required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 784122 | xxxxxx D B C A | Closed | xxxxxx | 2023-02-03 15:44 | 2025-09-19 13:43 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved--Received supporting documentation - Due Diligence Vendor-03/21/2023 <br> Counter--Received verification of no HOAS for xxxxxx. Missing evidence of HOA for xxxxxx. Finding remains - Due Diligence Vendor-03/15/2023 <br> Open-ATR: The Lender did not document all ATR Factors - Missing evidence of HOA for xxxxxx and xxxxxx. If assessment applicable, must be included in DTI. - Due Diligence Vendor-02/03/2023 |  | Resolved--Received supporting documentation - Due Diligence Vendor-03/21/2023 | LTV is less than guideline maximum - 29.41% LTV is less than 65% maximum.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income $33,969.9 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 784122 | xxxxxx D B C A | Closed | xxxxxx | 2023-02-03 14:42 | 2023-03-28 15:28 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived--Client Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Self-employed for > 5 years / Compensating Factor 3 - Residual income more than 2.5x the amount required by guidelines. Copy of LOE for NSF's from borrower also provided.<br> - Due Diligence Vendor-03/28/2023 <br> Open-Guidelines allow up to 3 NSFs in most recent 12 months, and bank statements reflect 13 returned items in the 12-month period. - Due Diligence Vendor-02/03/2023 |  | Waived--Client Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Self-employed for > 5 years / Compensating Factor 3 - Residual income more than 2.5x the amount required by guidelines. Copy of LOE for NSF's from borrower also provided.<br> - Due Diligence Vendor-03/28/2023 | LTV is less than guideline maximum - 29.41% LTV is less than 65% maximum.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income $33,969.9 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 784122 | xxxxxx D B C A | Closed | xxxxxx | 2023-02-02 16:00 | 2023-03-24 10:07 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved--Received evidence of refund, LOE, PCCD and delivery to borrower - Due Diligence Vendor-03/24/2023 <br>Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $3,548,895.48. The disclosed finance charge of $3,548,720.48 is not considered accurate because it is understated by more than $100. - Finance charge understated by $175. File is missing fee details, unable to determine source. - Statute of Limitations - One Years - Due Diligence Vendor-03/24/2023 |  | Resolved--Received evidence of refund, LOE, PCCD and delivery to borrower - Due Diligence Vendor-03/24/2023<br>| LTV is less than guideline maximum - 29.41% LTV is less than 65% maximum.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income $33,969.9 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 784122 | xxxxxx D B C A | Closed | xxxxxx | 2023-02-02 16:00 | 2023-03-24 09:56 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved--Received valid COC - Due Diligence Vendor-03/24/2023 <br> Counter--Received LE xxxxxx, LE xxxxxx and CD xxxxxx however, file is missing a valid change of circumstance for the $14,000 increase in Transfer Taxes/Deed stamps. Finding remains - Due Diligence Vendor-03/21/2023 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $14,000.00.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). - Deed Stamps increased from $0 on the initial LE: xxxxxx to $14,000 on the final CD: xxxxxx. Please provide a valid change of circumstance for the $14,000 increase or evidence of refund in the amount $14,000 no later than 60 calendar days after consummation date of xxxxxx.<br> - Statute of Limitations - Three years - Due Diligence Vendor-02/03/2023 |  | Resolved--Received valid COC - Due Diligence Vendor-03/24/2023 | LTV is less than guideline maximum - 29.41% LTV is less than 65% maximum.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income $33,969.9 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 784122 | xxxxxx D B C A | Closed | xxxxxx | 2023-03-21 09:02 | 2023-03-24 09:55 | Resolved | 1 - Information C A | Compliance | TRID | Revised Loan Estimate Delivery Date Test (prior to consummation) | Resolved--Received evidence of receipt - Due Diligence Vendor-03/24/2023 <br> Open--NEW - Missing evidence borrower received LE xxxxxx prior to receipt of CD xxxxxx. - Statute of Limitations - Three Years - Due Diligence Vendor-03/21/2023 |  | Resolved--Received evidence of receipt - Due Diligence Vendor-03/24/2023 | LTV is less than guideline maximum - 29.41% LTV is less than 65% maximum.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income $33,969.9 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 784122 | xxxxxx D B C A | Closed | xxxxxx | 2023-02-03 14:57 | 2023-03-21 09:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved--Received supporting documentation for xxxxxx reflecting no HOA - Due Diligence Vendor-03/21/2023 <br> Counter--Received verification of no HOAS for xxxxxx. Missing evidence of HOA for xxxxxx. Finding remains - Due Diligence Vendor-03/15/2023 <br> Open-Missing evidence of HOA for xxxxxx and xxxxxx. If assessment applicable, must be included in DTI. - Due Diligence Vendor-02/03/2023 |  | Resolved--Received supporting documentation for xxxxxx reflecting no HOA - Due Diligence Vendor-03/21/2023 | LTV is less than guideline maximum - 29.41% LTV is less than 65% maximum.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income $33,969.9 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 784122 | xxxxxx D B C A | Closed | xxxxxx | 2023-02-03 12:20 | 2023-02-24 09:57 | Resolved | 1 - Information C A | Credit | Borrower | Fraud alert is present on the credit report | Resolved--Received LOE - Due Diligence Vendor-02/24/2023 <br>Open-Missing evidence fraud victim alert on credit report was cleared. LOX in file but e-signature does not match other e-signatures on initial disclosures. - Due Diligence Vendor-02/03/2023 |  | Resolved--Received LOE - Due Diligence Vendor-02/24/2023<br>| LTV is less than guideline maximum - 29.41% LTV is less than 65% maximum.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income $33,969.9 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 784122 | xxxxxx D B C A | Closed | xxxxxx | 2023-02-03 12:18 | 2023-02-24 09:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved--Received worksheet - Due Diligence Vendor-02/24/2023 <br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Missing income worksheet for xxxxxx (xxxxxx xxxxxx. - Due Diligence Vendor-02/03/2023 |  | Resolved--Received worksheet - Due Diligence Vendor-02/24/2023<br>| LTV is less than guideline maximum - 29.41% LTV is less than 65% maximum.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income $33,969.9 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 784122 | xxxxxx D B C A | Closed | xxxxxx | 2023-02-03 11:08 | 2023-02-24 09:53 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved--Received COT - Due Diligence Vendor-02/24/2023 <br>Open-Unsatisfactory Chain of Title provided - Missing 24-month chain of title. - Due Diligence Vendor-02/03/2023 |  | Resolved--Received COT - Due Diligence Vendor-02/24/2023<br>| LTV is less than guideline maximum - 29.41% LTV is less than 65% maximum.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income $33,969.9 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 784229 | xxxxxx D B A | Closed | xxxxxx | 2023-03-08 16:52 | 2025-09-20 16:52 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 W2/1099 Less Than 24 Months Provided | Resolved-Borrower 1 W2/1099 Less Than 24 or More Months Provided Condition Resolved-Rec'd 2022 W2 - Due Diligence Vendor-03/23/2023 <br>Ready for Review-Document Uploaded. Document Uploaded. - Seller-03/22/2023 <br>Counter--Received same exception approval in file and already reviewed. In the original email chain, there is a statement that the 2022 W2 is in the file however, this missing from the review file only 2021 W2 has been provided. Provide 2022 W2 for Borrower 1. Finding remains - Due Diligence Vendor-03/13/2023 <br>Ready for Review-Document Uploaded. Document Uploaded. - Seller-03/10/2023 <br>Open-Borrower 1 W2/1099 Less Than 24 Months Provided - Missing 2022 W2 for borrower 1. - Due Diligence Vendor-03/08/2023 | Ready for Review-Document Uploaded. Document Uploaded. - Seller-03/22/2023 <br> Ready for Review-Document Uploaded. Document Uploaded. - Seller-03/10/2023 | Resolved-Borrower 1 W2/1099 Less Than 24 or More Months Provided Condition Resolved-Rec'd 2022 W2 - Due Diligence Vendor-03/23/2023<br>| Months Reserves exceed minimum required - - Verified 22 months reserves; only 12 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 713 qualifying FICO > 660 minimum required.<br>LTV is less than guideline maximum - 74.17% LTV < 80% max allowed. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 784229 | xxxxxx D B A | Closed | xxxxxx | 2023-03-08 17:22 | 2025-09-20 16:51 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan.-rec'd sufficient Income and Credit documentation to verify DTI. - Due Diligence Vendor-03/23/2023 <br>Ready for Review-Document Uploaded. Document Uploaded. - Seller-03/22/2023 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. - Missing income and credit documentation for both borrowers.<br> 1-B1-VOE within 10 days of closing; <br> 2-B1 2022 W2;<br> 3- 2 Years tax returns for both borrowers-employed by a relative requirement; <br> 4-B2-Credit Report; - Due Diligence Vendor-03/09/2023 | Ready for Review-Document Uploaded. Document Uploaded. - Seller-03/22/2023 | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan.-rec'd sufficient Income and Credit documentation to verify DTI. - Due Diligence Vendor-03/23/2023 | Months Reserves exceed minimum required - - Verified 22 months reserves; only 12 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 713 qualifying FICO > 660 minimum required.<br>LTV is less than guideline maximum - 74.17% LTV < 80% max allowed. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 784229 | xxxxxx D B A | Closed | xxxxxx | 2023-03-08 17:35 | 2025-09-20 16:44 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived--Rec'd Lender Exception Request with Client approval. - Due Diligence Vendor-03/23/2023 <br> Ready for Review-Document Uploaded. Document Uploaded. - Seller-03/22/2023 <br> Ready for Review-Document Uploaded. - Seller-03/22/2023 <br> Open-Audited DTI of 54.4% exceeds Guideline DTI of 43% - Borrower have been living rent free since 05/2022 as they sold their home. ; Max DTI is 43% for living rent free as guidelines state that borrower would have had to sold the primary within the past 6 months and it is 9 months - Due Diligence Vendor-03/08/2023 | Ready for Review-Document Uploaded. Document Uploaded. - Seller-03/22/2023 <br> Ready for Review-Document Uploaded. - Seller-03/22/2023 | Waived--Rec'd Lender Exception Request with Client approval. - Due Diligence Vendor-03/23/2023 | Months Reserves exceed minimum required - - Verified 22 months reserves; only 12 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 713 qualifying FICO > 660 minimum required.<br>LTV is less than guideline maximum - 74.17% LTV < 80% max allowed. | : 2 Year Full Doc,<br> 725 FICO(post-closing FICO) ,<br> 19+ months reserves(actual is 22 months),<br> good residual income(actual is $13K). | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 784229 | xxxxxx D B A | Closed | xxxxxx | 2023-03-08 17:04 | 2025-09-20 16:42 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Waived--Received post-close credit report, debts remains the same. no effect on DTI therefore, Finding is deemed non-material. - Client waiver applied to non-material Findings. - Due Diligence Vendor-03/24/2023 <br> Ready for Review-Document Uploaded. Pls. see attached email as xxxxxx is aware of the post close credit report. - Seller-03/23/2023 <br> Counter--Rec'd post closing report for B2 - still missing credit report from prior to closing. Finding to remain. - Due Diligence Vendor-03/23/2023 <br> Ready for Review-Document Uploaded. Document Uploaded. - Seller-03/22/2023 <br> Ready for Review-Document Uploaded. - Seller-03/22/2023 <br> Open-Borrower 2 Credit Report is Missing. - B2 Credit Report not provided. - Due Diligence Vendor-03/08/2023 | Ready for Review-Document Uploaded. Pls. see attached email as xxxxxx is aware of the post close credit report. - Seller-03/23/2023 <br> Ready for Review-Document Uploaded. Document Uploaded. - Seller-03/22/2023 <br> Ready for Review-Document Uploaded. - Seller-03/22/2023 | Waived--Received post-close credit report, debts remains the same. no effect on DTI therefore, Finding is deemed non-material. - Client waiver applied to non-material Findings. - Due Diligence Vendor-03/24/2023 | Months Reserves exceed minimum required - - Verified 22 months reserves; only 12 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 713 qualifying FICO > 660 minimum required.<br>LTV is less than guideline maximum - 74.17% LTV < 80% max allowed. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 784229 | xxxxxx D B A | Closed | xxxxxx | 2023-03-08 17:22 | 2025-09-17 13:24 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved--Documentation in file supports DTI at origination of 54.4%. Client exception provided, with compensating factors. - Due Diligence Vendor-03/27/2023 <br> Open--Audited DTI of 54.4% exceeds Guideline DTI of 43%. - Due Diligence Vendor-03/27/2023 |  | Resolved--Documentation in file supports DTI at origination of 54.4%. Client exception provided, with compensating factors. - Due Diligence Vendor-03/27/2023 | Months Reserves exceed minimum required - - Verified 22 months reserves; only 12 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 713 qualifying FICO > 660 minimum required.<br>LTV is less than guideline maximum - 74.17% LTV < 80% max allowed. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 784229 | xxxxxx D B A | Closed | xxxxxx | 2023-03-08 16:52 | 2023-03-27 15:11 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Personal Tax Returns Missing | Waived--Client Waiver: Exception granted for utilization of 2 years IRS Tax Transcripts in lieu of Tax Returns. - Due Diligence Vendor-03/27/2023 <br> Counter--Finding remains pending Client acceptance of 2 years tax transcripts in lieu of 2 years tax returns - Due Diligence Vendor-03/24/2023 <br> Ready for Review-Document Uploaded. Pls. see attached transcripts for 2020 and 2021. - Seller-03/24/2023 <br> Counter--Received same documentation already reviewed. In the email chain provided the exception is to using the higher income and is not an exception to missing required documentation. The guide section you provided 5.3.5.2 is for "Standard Income Documentation", not the "Employed By a Relative" (page 78 of guides) documentation. In the email chain, these guides are specifically addressed as being required. Provide an updated exception approval allowing for the use of Tax Transcripts in place of most recent 2 years tax returns. Finding remains. - Due Diligence Vendor-03/24/2023 <br> Ready for Review-Document Uploaded. Pls. see attached UW's response. - Seller-03/23/2023 <br> Counter--rec'd Exception email for ownership and higher income use along with 2020 and 2021 W2 tax transcripts; Exception is not an approval waiving the requirement of the 2 years tax returns. Finding to remain. - Due Diligence Vendor-03/23/2023 <br> Ready for Review-Document Uploaded. see attached W2 transcripts and UW Exception has the details - Seller-03/22/2023 <br> Open-Borrower 1 Personal Tax Returns Missing - Missing two years tax returns for BOTH borrowers; employed by relative. - Due Diligence Vendor-03/08/2023 | Ready for Review-Document Uploaded. Pls. see attached transcripts for 2020 and 2021. - Seller-03/24/2023 <br> Ready for Review-Document Uploaded. Pls. see attached UW's response. - Seller-03/23/2023 <br> Ready for Review-Document Uploaded. see attached W2 transcripts and UW Exception has the details - Seller-03/22/2023 | Waived--Client Waiver: Exception granted for utilization of 2 years IRS Tax Transcripts in lieu of Tax Returns. - Due Diligence Vendor-03/27/2023<br>| Months Reserves exceed minimum required - - Verified 22 months reserves; only 12 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 713 qualifying FICO > 660 minimum required.<br>LTV is less than guideline maximum - 74.17% LTV < 80% max allowed. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 784229 | xxxxxx D B A | Closed | xxxxxx | 2023-03-08 16:52 | 2023-03-23 11:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/13/2023 <br>Ready for Review-Document Uploaded. Document Uploaded. - Seller-03/10/2023 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Missing VOE within 10 days of closing for B1. - Due Diligence Vendor-03/08/2023 | Ready for Review-Document Uploaded. Document Uploaded. - Seller-03/10/2023 | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/13/2023 | Months Reserves exceed minimum required - - Verified 22 months reserves; only 12 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 713 qualifying FICO > 660 minimum required.<br>LTV is less than guideline maximum - 74.17% LTV < 80% max allowed. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 784229 | xxxxxx D B A | Closed | xxxxxx | 2023-03-08 17:04 | 2023-03-23 11:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing.-Rec'd post closing credit report sufficient for B2 gap report. - Due Diligence Vendor-03/23/2023 <br>Ready for Review-Document Uploaded. There was a system glitch. See attached credit report. - Seller-03/22/2023 <br>Open-Borrower 2 Gap Credit Report is Missing - B2 Gap/Credit Refresh within 10 days of closing not provided for borrower 2. 54% DTI - Due Diligence Vendor-03/08/2023 | Ready for Review-Document Uploaded. There was a system glitch. See attached credit report. - Seller-03/22/2023 | Resolved-Borrower 2 Gap Credit Report is not missing.-Rec'd post closing credit report sufficient for B2 gap report. - Due Diligence Vendor-03/23/2023 | Months Reserves exceed minimum required - - Verified 22 months reserves; only 12 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 713 qualifying FICO > 660 minimum required.<br>LTV is less than guideline maximum - 74.17% LTV < 80% max allowed. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 784600 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 784656 | xxxxxx C A | Closed | xxxxxx | 2023-02-07 18:17 | 2023-02-13 11:26 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-02/13/2023 <br> Open-OFAC Check Not Completed and/or Cleared - Missing CLEAR Background Report for borrowing entity. xxxxxx - Due Diligence Vendor-02/07/2023 |  | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-02/13/2023 | Qualifying FICO score is at least 20 points above minimum for program - 713 FICO exceeds 660 minimum required.<br>Months Reserves exceed minimum required - 31.02 months reserves exceed 3 months required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 785358 | xxxxxx C A | Closed | xxxxxx | 2023-03-16 17:24 | 2023-03-17 15:50 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved--Client Waiver: xxxxxx exception to guidelines approved. - Due Diligence Vendor-03/17/2023 <br> Ready for Review-Document Uploaded. Document Uploaded. - Seller-03/17/2023 <br> Open-Housing History Does Not Meet Guideline Requirements - Missing VOM for Private Mortgage of $xxxxxx on REO xxxxxx. on Final 1003 continuation sheet. - Due Diligence Vendor-03/16/2023 | Ready for Review-Document Uploaded. Document Uploaded. - Seller-03/17/2023 | Resolved--Client Waiver: xxxxxx exception to guidelines approved. - Due Diligence Vendor-03/17/2023 | Months Reserves exceed minimum required - - Verified 88 months reserves from cash-out proceeds; only 6 months required.<br>LTV is less than guideline maximum - -70% LTV < 75% max allowed<br>Qualifying FICO score is at least 20 points above minimum for program - -746 qualifying FICO > 660 minimum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 785502 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 785696 | xxxxxx B A | Closed | xxxxxx | 2023-03-15 12:18 | 2023-03-15 12:18 | Waived | 2 - Non-Material B | Property | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Waived-xxxxxx and xxxxxx xxxxxx xxxxxx Public Assitance Only for xxxxxx County. Appraisal xxxxxx, Note date xxxxxx.<br> Client waiver applied to non-material finding - Due Diligence Vendor-03/15/2023 |  | Waived-xxxxxx and xxxxxx xxxxxx Public Assitance Only for xxxxxx County. Appraisal xxxxxx, Note date xxxxxx.<br> Client waiver applied to non-material finding - Due Diligence Vendor-03/15/2023 | Qualifying DTI below maximum allowed - - DTI 28.11% is 16.89% lower than maximum 45%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 770 is 90 points higher than required 680 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 785720 | xxxxxx D B A | Closed | xxxxxx | 2023-03-01 08:59 | 2025-09-20 16:20 | Waived | 2 - Non-Material B | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Waived-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx - Disbursement date on CD is xxxxxx. Client waiver applied to non material finding - Due Diligence Vendor-09/20/2025 <br> Open-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx - Disbursement date on CD is xxxxxx. Client waiver applied to non material finding - Due Diligence Vendor-03/01/2023 |  | Waived-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx - Disbursement date on CD is xxxxxx. Client waiver applied to non material finding - Due Diligence Vendor-09/20/2025 | LTV is less than guideline maximum - -75% LTV less than the 80% allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO of 702 exceeds 660 required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 785720 | xxxxxx D B A | Closed | xxxxxx | 2023-03-01 08:54 | 2025-09-18 10:24 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved--Received questionnaire - Due Diligence Vendor-03/15/2023 <br> Ready for Review-Document Uploaded. see attached - Buyer-03/14/2023 <br> Counter--Client response: Please find the attached Condo questionnaire <br> - AUDIT RESPONSE: Document not attached/provided for review. Finding remains - Due Diligence Vendor-03/10/2023 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. - Fully completed HOA Questionnaire Document is Missing. Subject property must meet agency eligibility and project requirements. Any current litigation must also be addressed. - Due Diligence Vendor-03/01/2023 |  | Resolved--Received questionnaire - Due Diligence Vendor-03/15/2023 | LTV is less than guideline maximum - -75% LTV less than the 80% allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO of 702 exceeds 660 required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 785720 | xxxxxx D B A | Closed | xxxxxx | 2023-03-01 09:19 | 2023-03-15 09:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing evidence of self employment | Resolved--Received supporting documentation - Due Diligence Vendor-03/15/2023 <br> Ready for Review-Document Uploaded. See attached 1003 and Google doc(page 2) - Buyer-03/14/2023 <br> Counter--Client response: The initial 1003 included in the submission package shows the correct business phone number as it appears on Google. <br> - AUDIT RESPONSE: Provide supporting documentation from Google. Finding remains - Due Diligence Vendor-03/10/2023 <br> Open--Borrower's business phone number was not verified via Google Search, 411.com or internet as required. - Due Diligence Vendor-03/01/2023 |  | Resolved--Received supporting documentation - Due Diligence Vendor-03/15/2023 | LTV is less than guideline maximum - -75% LTV less than the 80% allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO of 702 exceeds 660 required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 785720 | xxxxxx D B A | Closed | xxxxxx | 2023-03-01 16:39 | 2023-03-10 13:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved--Received signed/dated LOE - Due Diligence Vendor-03/10/2023 <br>Open-Missing signed letter from the owner of the borrower's current primary residence stating that the borrower is living rent free and that there is/was no monthly obligation. - Due Diligence Vendor-03/01/2023 |  | Resolved--Received signed/dated LOE - Due Diligence Vendor-03/10/2023 | LTV is less than guideline maximum - -75% LTV less than the 80% allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO of 702 exceeds 660 required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 785891 | xxxxxx D B A | Closed | xxxxxx | 2023-03-24 12:02 | 2023-04-06 12:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved--Fraud report run on LLC provided. - Due Diligence Vendor-04/06/2023 <br>Counter--Rec'd updated Fraud report with Sellers checked, Borrowing LLC not listed on participant list. Please provide Fraud report reflecting Borrowing LLC checked with Exclusionary/OFAC Lists. - Due Diligence Vendor-03/31/2023 <br>Open-Third Party Fraud Report Partially Provided - All 3rd parties were not checked with Exclusionary/OFAC Lists, Borrowing LLC and Sellers are among entities missing. - Due Diligence Vendor-03/24/2023 |  | Resolved--Fraud report run on LLC provided. - Due Diligence Vendor-04/06/2023 | Months Reserves exceed minimum required - Months Reserve 18.61 exceed minimum required<br>Qualifying FICO score is at least 20 points above minimum for program - 792 FICO exceeds 700 minimum. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 785891 | xxxxxx D B A | Closed | xxxxxx | 2023-03-24 13:05 | 2023-03-30 11:39 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Missing EIN Number for Business Entity | Resolved--Received corrected W9 with EIN - Due Diligence Vendor-03/30/2023 <br>Open-Business Entity EIN value is invalid (Field value is ''). - Missing EIN number. W9 in file provides a social security number, however is not the borrower's. - Due Diligence Vendor-03/24/2023 |  | Resolved--Received corrected W9 with EIN - Due Diligence Vendor-03/30/2023 | Months Reserves exceed minimum required - Months Reserve 18.61 exceed minimum required<br>Qualifying FICO score is at least 20 points above minimum for program - 792 FICO exceeds 700 minimum. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 785891 | xxxxxx D B A | Closed | xxxxxx | 2023-03-24 12:44 | 2023-03-24 15:36 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Client waiver applied to non-material finding - Due Diligence Vendor-03/24/2023 |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Client waiver applied to non-material finding - Due Diligence Vendor-03/24/2023 | Months Reserves exceed minimum required - Months Reserve 18.61 exceed minimum required<br>Qualifying FICO score is at least 20 points above minimum for program - 792 FICO exceeds 700 minimum. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 786025 | xxxxxx B A | Closed | xxxxxx | 2023-03-23 09:46 | 2023-03-23 12:56 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Client waiver applied to non-material finding. - Due Diligence Vendor-03/23/2023 |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - Client waiver applied to non-material finding. - Due Diligence Vendor-03/23/2023 | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 719 is at least 20 points above minimum for program 680.<br>Qualifying DTI below maximum allowed - - Qualifying DTI 38% below maximum allowed 45%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 786025 | xxxxxx B A | Closed | xxxxxx | 2023-03-22 12:05 | 2023-03-22 12:55 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Waived-Required Affiliated Business Disclosure Missing - Client waiver applied to non-material Findings - Due Diligence Vendor-03/22/2023<br> - Due Diligence Vendor-03/22/2023 |  | Waived-Waived-Required Affiliated Business Disclosure Missing - Client waiver applied to non-material Findings - Due Diligence Vendor-03/22/2023<br> - Due Diligence Vendor-03/22/2023 | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 719 is at least 20 points above minimum for program 680.<br>Qualifying DTI below maximum allowed - - Qualifying DTI 38% below maximum allowed 45%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 786085 | xxxxxx C A | Closed | xxxxxx | 2023-03-11 14:40 | 2025-09-22 08:28 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved--Received additional assets statements - Due Diligence Vendor-03/20/2023 <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) - Insufficient funds for closing cost and reserves. xxxxxx asset account statements are missing. - Due Diligence Vendor-03/11/2023 |  | Resolved--Received additional assets statements - Due Diligence Vendor-03/20/2023 | LTV is less than guideline maximum - LTV 69.10 is less than guideline maximum<br>Qualifying FICO score is at least 20 points above minimum for program - - Minimum required FICO is 660, borrower mid FICO is 701 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 786085 | xxxxxx C A | Closed | xxxxxx | 2023-03-11 14:33 | 2023-03-20 11:02 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved--Received additional assets statements - Due Diligence Vendor-03/20/2023 <br>Open-Total Qualified Assets Post-Close amount is '$-31806.22'. Assets are Insufficient. - Insufficient funds for closing cost and reserves. xxxxxx asset account statements are missing. - Due Diligence Vendor-03/11/2023 |  | Resolved--Received additional assets statements - Due Diligence Vendor-03/20/2023 | LTV is less than guideline maximum - LTV 69.10 is less than guideline maximum<br>Qualifying FICO score is at least 20 points above minimum for program - - Minimum required FICO is 660, borrower mid FICO is 701 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 786091 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 786106 | xxxxxx B A | Closed | xxxxxx | 2023-03-13 13:43 | 2023-03-14 12:26 | Waived | 2 - Non-Material B | Property | Property Issue | FEMA declared disaster after the note date and appraisal date | Waived--Client waiver applied to non-material finding.<br> 1. Public assistance only for xxxxxx, and xxxxxx (xxxxxx),<br> 2. Public assistance only for xxxxxx, and xxxxxx (xxxxxx).<br> 3. Public assistance only for xxxxxx, and xxxxxx (xxxxxx). - Due Diligence Vendor-03/13/2023 |  | Waived--Client waiver applied to non-material finding.<br> 1. Public assistance only for xxxxxx, and xxxxxx (xxxxxx),<br> 2. Public assistance only for xxxxxx, and xxxxxx (xxxxxx).<br> 3. Public assistance only for xxxxxx, and xxxxxx (xxxxxx). - Due Diligence Vendor-03/13/2023 | Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income $6,976.26<br>Qualifying FICO score is at least 20 points above minimum for program - 743 FICO exceeds 700 minimum required. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 786106 | xxxxxx B A | Closed | xxxxxx | 2023-03-13 12:58 | 2023-03-14 12:26 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Client waiver applied to non-material finding - Disbursement date xxxxxx. - Due Diligence Vendor-03/13/2023 |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Client waiver applied to non-material finding - Disbursement date xxxxxx. - Due Diligence Vendor-03/13/2023 | Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income $6,976.26<br>Qualifying FICO score is at least 20 points above minimum for program - 743 FICO exceeds 700 minimum required. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 786121 | xxxxxx D B A | Closed | xxxxxx | 2025-09-22 14:56 | 2025-09-22 14:57 | Waived | 2 - Non-Material C B | Credit | Eligibility | Discrepancy between Condo Questionnaire and Appraisal | Waived--Client waiver applied to non-material finding, Appraisal was completed for subject phase and questionnaire was completed for entire project. - Due Diligence Vendor-09/22/2025 <br> Open-HOA questionnaire identifies xxxxxx Client units and appraisal identifies xxxxxx. - Due Diligence Vendor-09/22/2025 |  | Waived--Client waiver applied to non-material finding, Appraisal was completed for subject phase and questionnaire was completed for entire project. - Due Diligence Vendor-09/22/2025 | LTV is less than guideline maximum - 70% LTV is less than 80% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 762 FICO exceeds 680 minimum required. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 786121 | xxxxxx D B A | Closed | xxxxxx | 2023-03-15 15:01 | 2023-03-27 08:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Partial | Resolved--Rec'd Master HOA policy with minimum required liability coverage of $1mm. - Due Diligence Vendor-03/27/2023 <br>Counter--Master policy provided does not reflect minimum required liability coverage; finding to remain. - Due Diligence Vendor-03/22/2023 <br>Open-HO-6 Master Insurance Policy Partially Provided - Missing evidence of liability insurance. Guidelines require insurance consistent with standard xxxxxx/xxxxxx requirements. - Due Diligence Vendor-03/15/2023 |  | Resolved--Rec'd Master HOA policy with minimum required liability coverage of $1mm. - Due Diligence Vendor-03/27/2023 | LTV is less than guideline maximum - 70% LTV is less than 80% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 762 FICO exceeds 680 minimum required. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 786121 | xxxxxx D B A | Closed | xxxxxx | 2023-03-15 15:01 | 2023-03-16 16:17 | Waived | 2 - Non-Material B | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Waived-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx - xxxxxx disbursement date.<br> Client waiver applied to non-material finding - Due Diligence Vendor-03/15/2023 |  | Waived-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx disbursement date.<br> Client waiver applied to non-material finding - Due Diligence Vendor-03/15/2023 | LTV is less than guideline maximum - 70% LTV is less than 80% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 762 FICO exceeds 680 minimum required. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 786121 | xxxxxx D B A | Closed | xxxxxx | 2023-03-15 15:37 | 2023-03-16 16:17 | Waived | 2 - Non-Material B | Property | Property Issue | FEMA declared disaster after the note date and appraisal date | Waived-Public assistance only available for xxxxxx County:<br> 1. xxxxxx, and xxxxxx (xxxxxx).<br> 2. xxxxxx, and xxxxxx (xxxxxx).<br> 3. xxxxxx, and xxxxxx (xxxxxx).<br> Client waiver applied to non-material finding<br> - Due Diligence Vendor-03/15/2023 |  | Waived-Public assistance only available for xxxxxx County:<br> 1. xxxxxx, and xxxxxx (xxxxxx).<br> 2. xxxxxx, and xxxxxx (xxxxxx).<br> 3. xxxxxx, and xxxxxx (xxxxxx).<br> Client waiver applied to non-material finding<br> - Due Diligence Vendor-03/15/2023 | LTV is less than guideline maximum - 70% LTV is less than 80% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 762 FICO exceeds 680 minimum required. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 786122 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 786156 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 786183 | xxxxxx C B A | Closed | xxxxxx | 2023-03-23 18:28 | 2023-03-24 13:13 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Property | Waived--Client approved exception in file, xxxxxx does not meet guidelines. - Due Diligence Vendor-03/23/2023 |  | Waived--Client approved exception in file, xxxxxx does not meet guidelines. - Due Diligence Vendor-03/23/2023 | DSCR % greater than 1.20 - - DSCR 1.36<br>LTV is less than guideline maximum - - LTV 43.59% is 36.41% lower than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 790 is 170 points higher than required 620 | -LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> - Credit Score 30+ points > minimum required | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 786242 | xxxxxx B A | Closed | xxxxxx | 2023-04-07 16:01 | 2023-04-10 12:02 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Client waiver applied to non-material finding - Disbursement date on CD is xxxxxx. - Due Diligence Vendor-04/07/2023 |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Client waiver applied to non-material finding - Disbursement date on CD is xxxxxx. - Due Diligence Vendor-04/07/2023 | Months Reserves exceed minimum required - - Reserves of 16 months exceeds the no reserves requirement.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO of 795 exceeds 660 required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 786257 | xxxxxx B A | Closed | xxxxxx | 2023-05-12 12:31 | 2023-05-12 18:17 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Client waiver applied to non-material finding - Due Diligence Vendor-05/12/2023 |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Client waiver applied to non-material finding - Due Diligence Vendor-05/12/2023 | LTV is less than guideline maximum - -80% LTV less than the 85% allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO of 734 exceeds 660 required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 786371 | xxxxxx C A | Closed | xxxxxx | 2023-04-03 10:59 | 2023-04-10 10:59 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved--Received updated title with correct loan policy amount - Due Diligence Vendor-04/10/2023 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). - Missing evidence of sufficient title policy coverage amount to meet at least the minimum of the subject loan amount. Preliminary title provided does not show any coverage amount. - Due Diligence Vendor-04/03/2023 |  | Resolved--Received updated title with correct loan policy amount - Due Diligence Vendor-04/10/2023 | Qualifying FICO score is at least 20 points above minimum for program - - FICO of 754 exceeds required 660.<br>Qualifying DTI below maximum allowed - Qualifying DTI 38.98% below maximum allowed |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 786540 | xxxxxx D B A C | Closed | xxxxxx | 2023-04-10 14:28 | 2023-04-17 12:44 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved--Corrected drive-by provided, which supports value within 10% - Due Diligence Vendor-04/17/2023 <br> Ready for Review-Document Uploaded. Document Uploaded. - Seller-04/17/2023 <br> Open--NEW: Per appraisal subject property is xxxxxx units. Drive-by reflects xxxxxx units. Correction to drive-by required. - Due Diligence Vendor-04/10/2023 | Ready for Review-Document Uploaded. Document Uploaded. - Seller-04/17/2023 | Resolved--Corrected drive-by provided, which supports value within 10% - Due Diligence Vendor-04/17/2023 | DSCR % greater than 1.20 - - DSCR 1.6% greater than 1.20<br>Months Reserves exceed minimum required - - Months Reserves 89 exceed minimum required 3.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 662 is at least 20 points above minimum for program 620. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 786540 | xxxxxx D B A C | Closed | xxxxxx | 2023-03-27 19:01 | 2023-04-10 14:27 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived--Client waiver applied for use of 71B form on xxxxxx unit property which is acceptable by Client guidelines. New finding being issued for discrepancy with drive-by appraisal. - Due Diligence Vendor-04/10/2023 <br> Counter--Email exchange provided only addresses the borrower living rent free. That waiver was applied. Finding remains as Client approval of xxxxxx unit appraisal not received. Form type allowed per xxxxxx guidelines only contemplated up to xxxxxx units. Additionally, the drive-by only reflects there being xxxxxx units and would need to be corrected. Finding remains. - Due Diligence Vendor-04/10/2023 <br> Ready for Review-Document Uploaded. see email attached - xxxxxx should have waiver. - Due Diligence Vendor-04/10/2023 <br> Open-- Appraisal in file completed on form xxxxxx form 71B. Not an acceptable form type as per guideline. <br> - Appraisal indicate xxxxxx unit property and interior pictures support the same. However, Drive by report reflect xxxxxx unit property Provide clarification and document if subject property is a xxxxxx unit property. <br> - Appraisal indicate lender name "xxxxxx." and transferred appraisal. Does not meet guideline as require a transfer letter.<br> - Due Diligence Vendor-03/27/2023 |  | Waived--Client waiver applied for use of 71B form on xxxxxx unit property which is acceptable by Client guidelines. New finding being issued for discrepancy with drive-by appraisal. - Due Diligence Vendor-04/10/2023 | DSCR % greater than 1.20 - - DSCR 1.6% greater than 1.20<br>Months Reserves exceed minimum required - - Months Reserves 89 exceed minimum required 3.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 662 is at least 20 points above minimum for program 620. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 786540 | xxxxxx D B A C | Closed | xxxxxx | 2023-03-27 18:24 | 2023-04-10 13:10 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived--Client Waiver applied to finding. - Due Diligence Vendor-04/10/2023 <br> Ready for Review-Document Uploaded. Pls see email - xxxxxx input waiver. - Due Diligence Vendor-04/10/2023 <br> Ready for Review-Document Uploaded. - Seller-04/10/2023 <br> Counter--Rec'd Lender exception approval for Purchase of Investment property without owning Primary residence and Investment property < 25 miles from Primary residence; pending Client acceptance. - Due Diligence Vendor-03/31/2023 <br> Ready for Review-Document Uploaded. Document Uploaded. - Seller-03/30/2023 <br> Counter--Received exception approval for purchase of investment without owning a primary residence, however per the map location provided, the subject property is less xxxxxx from primary which is less than the required 25 miles distance. Finding remains - Due Diligence Vendor-03/30/2023 <br> Ready for Review-Document Uploaded. Document Uploaded. - Buyer-03/29/2023 <br> Open-Housing History Does Not Meet Guideline Requirements -1003 indicate Borrower living with family member and no primary housing expense. Explanation letter in file support property owner is Borrower's sister and confirm Borrower is living rent free. However, file missing an exception for borrower living rent free and or any document provided to support subject property is not located within 25 miles of the current primary (rent free) residence. - Due Diligence Vendor-03/27/2023 | Ready for Review-Document Uploaded. - Seller-04/10/2023 <br> Ready for Review-Document Uploaded. Document Uploaded. - Seller-03/30/2023 | Waived--Client Waiver applied to finding. - Due Diligence Vendor-04/10/2023 | DSCR % greater than 1.20 - - DSCR 1.6% greater than 1.20<br>Months Reserves exceed minimum required - - Months Reserves 89 exceed minimum required 3.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 662 is at least 20 points above minimum for program 620. | -DSCR > 1.0+<br> - Excess reserves 3+ months | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 786540 | xxxxxx D B A C | Closed | xxxxxx | 2023-03-27 18:05 | 2023-03-31 11:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is not partially provided-Rec'd updated policy coverage with 6 months business income/rent loss coverage. - Due Diligence Vendor-03/31/2023 <br> Ready for Review-Document Uploaded. Updated HOI - Buyer-03/30/2023 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided - HOI reflect business income $20,000. However, does not meet Guideline requirement of rent loss insurance equal to 6 months of local average monthly rents. - Due Diligence Vendor-03/27/2023 |  | Resolved-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is not partially provided-Rec'd updated policy coverage with 6 months business income/rent loss coverage. - Due Diligence Vendor-03/31/2023 | DSCR % greater than 1.20 - - DSCR 1.6% greater than 1.20<br>Months Reserves exceed minimum required - - Months Reserves 89 exceed minimum required 3.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 662 is at least 20 points above minimum for program 620. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 786540 | xxxxxx D B A C | Closed | xxxxxx | 2023-03-27 19:05 | 2023-03-30 08:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Required forms/disclosures missing | Resolved--Document provided does not appear to be for our borrower or business listed on the Note however, Business search in file for xxxxxx is current. No further documentation is required. - Due Diligence Vendor-03/30/2023 <br> Ready for Review-Document Uploaded. Document Uploaded. - Seller-03/29/2023 <br> Open--Missing certificate of good standing. SOS doc in file dated 2012. - Due Diligence Vendor-03/27/2023 | Ready for Review-Document Uploaded. Document Uploaded. - Seller-03/29/2023 | Resolved--Document provided does not appear to be for our borrower or business listed on the Note however, Business search in file for xxxxxx is current. No further documentation is required. - Due Diligence Vendor-03/30/2023 | DSCR % greater than 1.20 - - DSCR 1.6% greater than 1.20<br>Months Reserves exceed minimum required - - Months Reserves 89 exceed minimum required 3.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 662 is at least 20 points above minimum for program 620. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 786540 | xxxxxx D B A C | Closed | xxxxxx | 2023-03-27 14:19 | 2023-03-29 15:09 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-There are no issues present on the Mortgage Document (Deed of Trust).-Rec'd Mortgage with Legal - Due Diligence Vendor-03/29/2023 <br>Ready for Review-Document Uploaded. Document Uploaded. - Buyer-03/29/2023 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. - Missing Legal Description- Exhibit A is blank - Due Diligence Vendor-03/27/2023 |  | Resolved-There are no issues present on the Mortgage Document (Deed of Trust).-Rec'd Mortgage with Legal - Due Diligence Vendor-03/29/2023 | DSCR % greater than 1.20 - - DSCR 1.6% greater than 1.20<br>Months Reserves exceed minimum required - - Months Reserves 89 exceed minimum required 3.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 662 is at least 20 points above minimum for program 620. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 786797 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 786855 | xxxxxx C B A | Closed | xxxxxx | 2023-05-04 15:05 | 2023-05-05 11:30 | Waived | 2 - Non-Material C B | Property | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Waived-Public disaster. Client waiver applied to non-material finding. - Due Diligence Vendor-09/19/2025 <br> Open---FEMA disaster declaration xxxxxx , declaration date xxxxxx; Public assistance only available for xxxxxx county. Prior to the Note date xxxxxx, After Appraisal date xxxxxx. Missing post disaster inspection report. Client wiaver applied to non material finding - Due Diligence Vendor-05/04/2023 |  | Waived-Public disaster. Client waiver applied to non-material finding. - Due Diligence Vendor-09/19/2025 | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 695 is at least 20 points above minimum for program 660.<br>Months Reserves exceed minimum required - - Months Reserves 79.9 exceed minimum required 2. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 786992 | xxxxxx D B C A | Closed | xxxxxx | 2023-04-10 14:06 | 2024-03-29 17:06 | Waived | 2 - Non-Material D B | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Waived--SOL has expired, grade updated to non-material. - Due Diligence Vendor-03/29/2024 <br> Open-Provide post closing CD correcting property address to xxxxxx. SOL - 1 Year - Due Diligence Vendor-04/25/2023 |  | Waived--SOL has expired, grade updated to non-material. - Due Diligence Vendor-03/29/2024 | Qualifying DTI below maximum allowed - -31.58% DTI < 50% Max<br>Qualifying FICO score is at least 20 points above minimum for program - -710 qualifying FICO > 680 minimum required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 786992 | xxxxxx D B C A | Closed | xxxxxx | 2023-04-10 14:00 | 2023-04-11 16:11 | Waived | 2 - Non-Material C B | Credit | Eligibility | Legal document incorrect or has issues | Waived--Client Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - DTI <= 36% which is below requirement in guidelines / Compensating Factor 3 - Residual income more than 1.5x the amount required by guidelines<br> - Further Audit Comments: APN # from title and legal description to mortgage match appraisal APN. Online tax search reflects same address as appraisal. - Due Diligence Vendor-04/11/2023 <br> Open-Title , Note, Deed and Mtg show the address as xxxxxx. All other documents in file (Cert of Occupancy, Appraisal, flood, purchase contract , HOI etc) all reference xxxxxx which appears to be the correct address. Provide all corrected documents with correct address.<br> - Due Diligence Vendor-04/10/2023 |  | Waived--Client Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - DTI <= 36% which is below requirement in guidelines / Compensating Factor 3 - Residual income more than 1.5x the amount required by guidelines<br> - Further Audit Comments: APN # from title and legal description to mortgage match appraisal APN. Online tax search reflects same address as appraisal. - Due Diligence Vendor-04/11/2023 | Qualifying DTI below maximum allowed - -31.58% DTI < 50% Max<br>Qualifying FICO score is at least 20 points above minimum for program - -710 qualifying FICO > 680 minimum required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 787100 | xxxxxx C B A | Closed | xxxxxx | 2023-04-11 14:48 | 2023-04-14 15:45 | Waived | 2 - Non-Material C B | Credit | Eligibility | Payment shock exceeds guideline | Waived--Client Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Residual income more than 2.5x the amount required by guidelines / Compensating Factor 3 - Reserves exceed requirement by 2 months or more<br> - Due Diligence Vendor-04/14/2023 <br> Open--Unable to verify required payment shock for LTV > 80%; Borrower is living rent free. Client Exception request in file. Pending Client approval. - Due Diligence Vendor-04/11/2023 |  | Waived--Client Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Residual income more than 2.5x the amount required by guidelines / Compensating Factor 3 - Reserves exceed requirement by 2 months or more<br> - Due Diligence Vendor-04/14/2023 | Residual Income =/> 1.5 times $3,500 monthly residual income - - Verified $12,927.71 residual income<br>Qualifying FICO score is at least 20 points above minimum for program - -777 qualifying FICO > 680 minimum required. | -Borrower documented 12 month rental pay history for business location<br> -777 FICO<br> - Conservative credit user, borrower has no outstanding debt balances. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 787100 | xxxxxx C B A | Closed | xxxxxx | 2023-04-11 14:56 | 2023-04-14 15:44 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived--Client Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Residual income more than 2.5x the amount required by guidelines / Compensating Factor 3 - Reserves exceed requirement by 2 months or more<br> - Due Diligence Vendor-04/14/2023 <br> Open-Audited LTV of 89.96% exceeds Guideline LTV of 80% 89.96% LTV > 80% max per guidelines for no verifiable housing pay history. Lender exception approval in file; pending Client approval. - Due Diligence Vendor-04/11/2023 |  | Waived--Client Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Residual income more than 2.5x the amount required by guidelines / Compensating Factor 3 - Reserves exceed requirement by 2 months or more<br> - Due Diligence Vendor-04/14/2023 | Residual Income =/> 1.5 times $3,500 monthly residual income - - Verified $12,927.71 residual income<br>Qualifying FICO score is at least 20 points above minimum for program - -777 qualifying FICO > 680 minimum required. | -Borrower documented 12 month rental pay history for business location<br> -777 FICO<br> - Conservative credit user, borrower has no outstanding debt balances. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 787100 | xxxxxx C B A | Closed | xxxxxx | 2023-04-11 14:44 | 2023-04-12 07:28 | Waived | 2 - Non-Material B | Property | Property Issue | FEMA declared disaster after the note date and appraisal date | Waived--FEMA Search: xxxxxx, and xxxxxx (xxxxxx); Incident Period: xxxxxx - and continuing; Major Disaster Declaration declared on xxxxxx. Public assistance only for subject county.<br> Client waiver applied to non-material finding - Due Diligence Vendor-04/11/2023 |  | Waived--FEMA Search: xxxxxx, and xxxxxx (xxxxxx); Incident Period: xxxxxx - and continuing; Major Disaster Declaration declared on xxxxxx. Public assistance only for subject county.<br> Client waiver applied to non-material finding - Due Diligence Vendor-04/11/2023 | Residual Income =/> 1.5 times $3,500 monthly residual income - - Verified $12,927.71 residual income<br>Qualifying FICO score is at least 20 points above minimum for program - -777 qualifying FICO > 680 minimum required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 790415 | xxxxxx C B A | Closed | xxxxxx | 2025-09-22 14:42 | 2025-09-22 14:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Client Waiver: They are well kept places, and we have to assume the other units not inspected look the same. Review appraisal supports value, and property is on good overall condition. - Due Diligence Vendor-09/22/2025 <br> Open-Subject property xxxxxx units. Appraiser indicated has reviewed only Unit xxxxxx. Does not meet guideline requirement as require full property review. - Also, requires following missing items: - xxxxxx. - Descriptive Photographs of Subject Property - Descriptive Photographs of xxxxxx - Due Diligence Vendor-09/22/2025 |  | Waived-Client Waiver: They are well kept places, and we have to assume the other units not inspected look the same. Review appraisal supports value, and property is on good overall condition. - Due Diligence Vendor-09/22/2025 | DSCR % greater than 1.20 - - DSCR 1.26 % greater than 1.0 for multi family.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 701 is at least 20 points above minimum for program 620. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 790415 | xxxxxx C B A | Closed | xxxxxx | 2025-09-22 14:39 | 2025-09-22 14:40 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property/Appraisal General (Credit) | Waived-Client Waiver: xxxxxx sq ft for all of them is accepted by xxxxxx. They are well kept places and we have to assume the other units not inspected look the same. Review appraisals are fine as they agree with value and comparables properties support similar sized units and has not negative impact of marketability. - Due Diligence Vendor-09/22/2025 <br> Open-File contain 2 Exception from the Originator, not yet approved by the client: 1.All xxxxxx units in the subject property are less than 600 square feet. 2. xxxxxx appraisal - Due Diligence Vendor-09/22/2025 |  | Waived-Client Waiver: xxxxxx for all of them is accepted by xxxxxx. They are well kept places and we have to assume the other units not inspected look the same. Review appraisals are fine as they agree with value and comparables properties support similar sized units and has not negative impact of marketability. - Due Diligence Vendor-09/22/2025 | DSCR % greater than 1.20 - - DSCR 1.26 % greater than 1.0 for multi family.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 701 is at least 20 points above minimum for program 620. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 790415 | xxxxxx C B A | Closed | xxxxxx | 2023-06-07 11:29 | 2025-09-22 09:47 | Resolved | 1 - Information B A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendor-09/22/2025 <br>Resolved-Upon further review finding resolved. - Due Diligence Vendor-09/22/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing. . Documentation supports loan being an investment property, not for personal use. - Due Diligence Vendor-06/07/2023 |  | Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendor-09/22/2025 <br>Resolved-Upon further review finding resolved. - Due Diligence Vendor-09/22/2025<br>| DSCR % greater than 1.20 - - DSCR 1.26 % greater than 1.0 for multi family.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 701 is at least 20 points above minimum for program 620. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 790416 | xxxxxx C B A | Closed | xxxxxx | 2023-06-01 16:41 | 2023-06-05 11:07 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived--Client Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - DSCR > 1.3 / Compensating Factor 2 - Credit Score 30+ points > minimum required<br> - Due Diligence Vendor-06/05/2023 <br> Open-Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of $100000 Exception in file by Lender, not approved by Client - Due Diligence Vendor-06/02/2023 |  | Waived--Client Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - DSCR > 1.3 / Compensating Factor 2 - Credit Score 30+ points > minimum required<br> - Due Diligence Vendor-06/05/2023 | DSCR % greater than 1.20 - - DSCR 1.47% % greater than 1.20<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 691 is at least 20 points above minimum for program 660. | 1) Robust cash flow (1.47x DSCR) <br> 2) Sponsor's estimated net worth ($1300000)<br> 3) Strong Prepayment Penalty (5/4/3/2/1) | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 790516 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 790523 | xxxxxx C A | Closed | xxxxxx | 2023-06-06 16:56 | 2023-06-15 14:16 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Audited CLTV of 90% is less than or equal to Guideline CLTV of 90%. Evidence of 1 of 2 liens being paid off to support LTV at max of 90%. - Due Diligence Vendor-06/15/2023 <br>Open-Audited CLTV of 90.92% exceeds Guideline CLTV of 90% - CLTV exceeds 90% max; State Tax lien was to be paid off through closing as required to exclude from CLTV calc. - Due Diligence Vendor-06/15/2023 <br>Ready for Review-Document Uploaded. CLIENT MADE THE ONLINE PAYMENT AND SATISFIED THE REMAINING AMOUNT DUE. PLS. SEE ATTACHED RECEIPT. - Seller-06/15/2023 | Ready for Review-Document Uploaded. CLIENT MADE THE ONLINE PAYMENT AND SATISFIED THE REMAINING AMOUNT DUE. PLS. SEE ATTACHED RECEIPT. - Seller-06/15/2023 | Resolved-Audited CLTV of 90% is less than or equal to Guideline CLTV of 90%. Evidence of 1 of 2 liens being paid off to support LTV at max of 90%. - Due Diligence Vendor-06/15/2023<br>| Qualifying DTI below maximum allowed - -29.66% DTI < 45% max allowed<br>Months Reserves exceed minimum required - - Verified 55 months reserves; only 6 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - -726 qualifying FICO > 700 minimum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 790523 | xxxxxx C A | Closed | xxxxxx | 2023-06-06 15:35 | 2023-06-15 14:14 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Satisfactory Chain of Title has been provided - Due Diligence Vendor-06/15/2023 <br>Ready for Review-Document Uploaded. Document Uploaded. - Seller-06/07/2023 <br>Ready for Review-Document Uploaded. - Seller-06/07/2023 <br>Open-Unsatisfactory Chain of Title provided -24 month chain of title not provided - Due Diligence Vendor-06/06/2023 | Ready for Review-Document Uploaded. Document Uploaded. - Seller-06/07/2023 <br> Ready for Review-Document Uploaded. - Seller-06/07/2023 | Resolved-Satisfactory Chain of Title has been provided - Due Diligence Vendor-06/15/2023 | Qualifying DTI below maximum allowed - -29.66% DTI < 45% max allowed<br>Months Reserves exceed minimum required - - Verified 55 months reserves; only 6 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - -726 qualifying FICO > 700 minimum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 790523 | xxxxxx C A | Closed | xxxxxx | 2023-06-06 17:03 | 2023-06-15 14:11 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved--Evidence of tax lien being paid in full provided for 1 of 2 liens. HCLTV no 90%. - Due Diligence Vendor-06/15/2023 <br>Ready for Review-Document Uploaded. CLIENT MADE THE ONLINE PAYMENT AND SATISFIED THE REMAINING AMOUNT DUE. PLS. SEE ATTACHED RECEIPT. - Seller-06/15/2023 <br>Open--Two month payment history for existing tax liens not documented; Borrower recently became aware of tax liens and set-up payment plan and made two payments on each plan, State and Federal, guidelines require a two month payment history paid as agreed. Lender exception request with Client approval stated they would payoff state tax lien through closing and they did not, resulting in LTV >90%. Client approval of exception is not valid. - Due Diligence Vendor-06/06/2023 | Ready for Review-Document Uploaded. CLIENT MADE THE ONLINE PAYMENT AND SATISFIED THE REMAINING AMOUNT DUE. PLS. SEE ATTACHED RECEIPT. - Seller-06/15/2023 | Resolved--Evidence of tax lien being paid in full provided for 1 of 2 liens. HCLTV no 90%. - Due Diligence Vendor-06/15/2023 | Qualifying DTI below maximum allowed - -29.66% DTI < 45% max allowed<br>Months Reserves exceed minimum required - - Verified 55 months reserves; only 6 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - -726 qualifying FICO > 700 minimum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 790523 | xxxxxx C A | Closed | xxxxxx | 2023-06-06 15:50 | 2023-06-14 13:03 | Resolved | 1 - Information C A | Credit | Eligibility | Legal document incorrect or has issues | Resolved--Processor cert for payoff amount provided. - Due Diligence Vendor-06/14/2023 <br>Ready for Review-Document Uploaded. Document Uploaded. - Seller-06/14/2023 <br>Open--File is missing IRS Federal tax lien payoff balance; not documented in file; 2018 Notice only in file. - Due Diligence Vendor-06/06/2023 | Ready for Review-Document Uploaded. Document Uploaded. - Seller-06/14/2023 | Resolved--Processor cert for payoff amount provided. - Due Diligence Vendor-06/14/2023 | Qualifying DTI below maximum allowed - -29.66% DTI < 45% max allowed<br>Months Reserves exceed minimum required - - Verified 55 months reserves; only 6 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - -726 qualifying FICO > 700 minimum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 790570 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 790595 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 790615 | xxxxxx B A | Closed | xxxxxx | 2023-07-12 09:12 | 2023-07-12 10:32 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non material findings. - Due Diligence Vendor-07/12/2023 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non material findings. - Due Diligence Vendor-07/12/2023 | LTV is less than guideline maximum - -47.06% LTV < 75% max allowed<br>Qualifying FICO score is at least 20 points above minimum for program - 777 qualifying FICO > 660 min required<br>Months Reserves exceed minimum required - - Verified 88 months reserves; only 6 months required |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 790675 | xxxxxx B A | Closed | xxxxxx | 2023-06-23 09:09 | 2023-06-23 10:17 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - COE Extension not provided<br> Client waiver applied to non-material finding<br> - Due Diligence Vendor-06/23/2023 |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx - COE Extension not provided<br> Client waiver applied to non-material finding<br> - Due Diligence Vendor-06/23/2023 | Qualifying FICO score is at least 20 points above minimum for program - -720 qualifying FICO > 660 minimum required<br>Qualifying DTI below maximum allowed - -44.53% DTI < 50% max allowed |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 790675 | xxxxxx B A | Closed | xxxxxx | 2023-06-23 09:11 | 2023-06-23 10:17 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Effective at disbursement<br> - Deemed non material HOI effective on disbursement date.<br> Client waiver applied to non-material finding<br> - Due Diligence Vendor-06/23/2023 |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Effective at disbursement<br> - Deemed non material HOI effective on disbursement date.<br> Client waiver applied to non-material finding<br> - Due Diligence Vendor-06/23/2023 | Qualifying FICO score is at least 20 points above minimum for program - -720 qualifying FICO > 660 minimum required<br>Qualifying DTI below maximum allowed - -44.53% DTI < 50% max allowed |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 790675 | xxxxxx B A | Closed | xxxxxx | 2023-06-22 12:52 | 2023-06-22 14:14 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing - Client waiver applied to non-material Findings - Due Diligence Vendor-06/22/2023 |  | Waived-Required Affiliated Business Disclosure Missing - Client waiver applied to non-material Findings - Due Diligence Vendor-06/22/2023 | Qualifying FICO score is at least 20 points above minimum for program - -720 qualifying FICO > 660 minimum required<br>Qualifying DTI below maximum allowed - -44.53% DTI < 50% max allowed |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 790712 | xxxxxx D B C A | Closed | xxxxxx | 2023-07-13 10:00 | 2023-07-21 11:54 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved--Final CD Recording fee increased to $250 from $160 on initial LE without a valid change of circumstance however, a Lender credit of $90 for fees above legal limit in on Final CD. - Due Diligence Vendor-07/21/2023 <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% ($250.00) exceed the comparable charges ($160.00) 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). - Due Diligence Vendor-07/21/2023 <br> Open--This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii)). Missing service provider list dated within 3 days of application date. Upon receipt, additional Findings may apply. - Due Diligence Vendor-07/13/2023 |  | Resolved--Final CD Recording fee increased to $250 from $160 on initial LE without a valid change of circumstance however, a Lender credit of $90 for fees above legal limit in on Final CD. - Due Diligence Vendor-07/21/2023 | Qualifying FICO score is at least 20 points above minimum for program - - Credit score of 755 exceeds the 660 required.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income $4262. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 790712 | xxxxxx D B C A | Closed | xxxxxx | 2023-07-13 10:00 | 2023-07-21 11:51 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Written List of Service Providers Disclosure Date Test | Resolved--Received SPL - Due Diligence Vendor-07/21/2023 <br>Open--Missing Service Provider List dated within 3 days of application date - Due Diligence Vendor-07/13/2023 |  | Resolved--Received SPL - Due Diligence Vendor-07/21/2023 | Qualifying FICO score is at least 20 points above minimum for program - - Credit score of 755 exceeds the 660 required.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income $4262. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 790712 | xxxxxx D B C A | Closed | xxxxxx | 2023-07-18 11:18 | 2023-07-21 11:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved--Received credit refresh - Due Diligence Vendor-07/21/2023 <br>Open-Borrower 1 Gap Credit Report is Missing - Missing a gap credit or Undisclosed Debt Monitoring report dated no more than 10 days prior to loan closing or any time after closing. Material due to DTI 54.15%. - Due Diligence Vendor-07/18/2023 |  | Resolved--Received credit refresh - Due Diligence Vendor-07/21/2023<br>| Qualifying FICO score is at least 20 points above minimum for program - - Credit score of 755 exceeds the 660 required.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income $4262. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 790712 | xxxxxx D B C A | Closed | xxxxxx | 2023-07-18 11:51 | 2023-07-18 17:24 | Waived | 2 - Non-Material B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-Asset Qualification Does Not Meet Guideline Requirements - Gift funds not allowed for non-permanent residents. Lender exception requested and approved by client. - Due Diligence Vendor-07/18/2023 |  | Waived-Asset Qualification Does Not Meet Guideline Requirements - Gift funds not allowed for non-permanent residents. Lender exception requested and approved by client. - Due Diligence Vendor-07/18/2023 | Qualifying FICO score is at least 20 points above minimum for program - - Credit score of 755 exceeds the 660 required.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income $4262. | -Credit Score 30+ points > minimum required<br> - Self-employed for > 10 years | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 790712 | xxxxxx D B C A | Closed | xxxxxx | 2023-07-18 10:40 | 2023-07-18 17:24 | Waived | 2 - Non-Material B | Credit | Missing Doc | Citizenship Documentation Not Provided | Waived-Borrower Citizenship Documentation Is Missing - Missing a valid active Visa as required for non-permanent residents. Lender exception requested and approved by client. - Due Diligence Vendor-07/18/2023 |  | Waived-Borrower Citizenship Documentation Is Missing - Missing a valid active Visa as required for non-permanent residents. Lender exception requested and approved by client. - Due Diligence Vendor-07/18/2023 | Qualifying FICO score is at least 20 points above minimum for program - - Credit score of 755 exceeds the 660 required.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income $4262. | -Credit Score 30+ points > minimum required<br> - Self-employed for > 10 years | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 790712 | xxxxxx D B C A | Closed | xxxxxx | 2023-07-18 11:57 | 2023-07-18 17:23 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 54.15% exceeds Guideline DTI of 50% - Max DTI 50% for loan program. Lender exception requested and approved by client. - Due Diligence Vendor-07/18/2023 |  | Waived-Audited DTI of 54.15% exceeds Guideline DTI of 50% - Max DTI 50% for loan program. Lender exception requested and approved by client. - Due Diligence Vendor-07/18/2023 | Qualifying FICO score is at least 20 points above minimum for program - - Credit score of 755 exceeds the 660 required.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income $4262. | -Credit Score 30+ points > minimum required.<br> - Self-employed >10 years. | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 790712 | xxxxxx D B C A | Closed | xxxxxx | 2023-07-18 10:55 | 2023-07-18 17:11 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Client waiver applied to non-material finding - Due Diligence Vendor-07/18/2023 |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Client waiver applied to non-material finding - Due Diligence Vendor-07/18/2023 | Qualifying FICO score is at least 20 points above minimum for program - - Credit score of 755 exceeds the 660 required.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income $4262. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 790872 | xxxxxx D A | Closed | xxxxxx | 2023-06-30 09:27 | 2023-07-06 11:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved--Received verbal VOE within 10 days of closing - Due Diligence Vendor-07/06/2023 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - VOE in file dated xxxxxx does not meet guideline requirement of 10 days prior to disbursement date xxxxxx.<br> - The phone number that the borrower provided as their employer's number must be independently confirmed by using the telephone book, directory assistance, xxxxxx - Due Diligence Vendor-06/30/2023 |  | Resolved--Received verbal VOE within 10 days of closing - Due Diligence Vendor-07/06/2023 | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 740 is at least 20 points above minimum for program 660.<br>LTV is less than guideline maximum - - LTV 70% is less than guideline maximum 80%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 790922 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 791176 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 791181 | xxxxxx C B A | Closed | xxxxxx | 2023-06-22 14:48 | 2023-06-29 15:20 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived--Client Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Current primary home ownership > 10 years<br> - Due Diligence Vendor-06/29/2023 <br> Counter--Received final HUD. Provide sufficient funds to cover 2 months post close reserves - Due Diligence Vendor-06/28/2023 <br> Open-Audited Reserves of 1.53 month(s) are less than Guideline Required Reserves of 2 month(s) - Unable to accurately determine funds required to close due to missing Final Settlement Stmt; using wire at closing as funds required to close resulting in short of two month reserve requirement. - Due Diligence Vendor-06/22/2023 |  | Waived--Client Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Current primary home ownership > 10 years<br> - Due Diligence Vendor-06/29/2023 | On time mortgage history exceeds guideline requirement - -0x30 in last 36+ months with 12 months required<br>Qualifying FICO score is at least 20 points above minimum for program - -703 FICO and 660 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 791196 | xxxxxx D B A | Closed | xxxxxx | 2023-07-27 11:42 | 2023-08-25 08:43 | Resolved | 1 - Information B A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved--Received UDM - Due Diligence Vendor-08/25/2023 <br> Counter--Received fraud report with UDM however, last submission date is xxxxxx which is not within 10 days of note date. Finding remains - Due Diligence Vendor-08/16/2023 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Per guide require a gap credit or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or any time after closing. UDM on Fraud report dated xxxxxx and Note date xxxxxx. Deemed non-material due to DTI 30.16%. - Due Diligence Vendor-07/27/2023 |  | Resolved--Received UDM - Due Diligence Vendor-08/25/2023<br>| Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 807 is at least 20 points above minimum for program 660.<br>LTV is less than guideline maximum - - LTV 49.51% is less than guideline maximum 80% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 791196 | xxxxxx D B A | Closed | xxxxxx | 2023-07-27 09:35 | 2023-08-16 14:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved--Received personal guaranty - Due Diligence Vendor-08/16/2023 <br>Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. - Purchase investment. Vesting in LLC. - Due Diligence Vendor-07/27/2023 |  | Resolved--Received personal guaranty - Due Diligence Vendor-08/16/2023 | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 807 is at least 20 points above minimum for program 660.<br>LTV is less than guideline maximum - - LTV 49.51% is less than guideline maximum 80% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 791196 | xxxxxx D B A | Closed | xxxxxx | 2023-07-27 09:50 | 2023-07-27 15:17 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Client waiver applied to non-material finding - Due Diligence Vendor-07/27/2023 |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Client waiver applied to non-material finding - Due Diligence Vendor-07/27/2023 | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 807 is at least 20 points above minimum for program 660.<br>LTV is less than guideline maximum - - LTV 49.51% is less than guideline maximum 80% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 791207 | xxxxxx B A | Closed | xxxxxx | 2023-07-11 17:51 | 2023-07-14 08:43 | Waived | 2 - Non-Material B | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Waived-Client requested waiver applied - Due Diligence Vendor-07/14/2023 <br>Open-Third Party Fraud Report Partially Provided - Borrower is on participant list however the loan officer is missing. - Due Diligence Vendor-07/11/2023 |  | Waived-Client requested waiver applied - Due Diligence Vendor-07/14/2023 | On time mortgage history exceeds guideline requirement - - Timely mortgage pay history for 105 consecutive months exceeds the 12 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO of 765 exceeds the 700 required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 791271 | xxxxxx D B A | Closed | xxxxxx | 2023-06-30 13:27 | 2023-07-05 10:44 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved--Entity documents provided showing borrower as sole owner of business funds used. - Due Diligence Vendor-07/05/2023 <br> Open-Asset Qualification Does Not Meet Guideline Requirements - Missing documentation supporting that borrower has access to business accounts at xxxxxx xxxxxx for funds required for closing and reserves. File includes a certification of incorporation and entity information but percentage of ownership is not disclosed. Audit used 100%. Additional findings may apply if less than 100% ownership. - Due Diligence Vendor-06/30/2023 |  | Resolved--Entity documents provided showing borrower as sole owner of business funds used. - Due Diligence Vendor-07/05/2023 | DSCR % greater than 1.20 - 1.17% DSCR exceeds 0.75% minimum required.<br>LTV is less than guideline maximum - 60% LTV is less than 75% maximum. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 791271 | xxxxxx D B A | Closed | xxxxxx | 2023-06-30 13:08 | 2023-07-05 10:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Required forms/disclosures missing | Resolved--Confirmation that xxxxxx was obtains from zip code and comparable properties within subject location provided. - Due Diligence Vendor-07/05/2023 <br>Open-Unable to determine if the the five comparison properties on the xxxxxx are from the same zip code as required per guidelines. - Due Diligence Vendor-06/30/2023 |  | Resolved--Confirmation that xxxxxx was obtains from zip code and comparable properties within subject location provided. - Due Diligence Vendor-07/05/2023 | DSCR % greater than 1.20 - 1.17% DSCR exceeds 0.75% minimum required.<br>LTV is less than guideline maximum - 60% LTV is less than 75% maximum. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 791271 | xxxxxx D B A | Closed | xxxxxx | 2023-06-30 12:51 | 2023-07-05 10:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived--Client Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Reserves exceed requirement by 10 months or more / Compensating Factor 3 - DSCR > 1.15<br> - Due Diligence Vendor-07/05/2023 <br> Open-Borrower is first time Client, and guidelines require that for loans made to LLCs, the primary guarantor must meet the definition of an experienced Client. Per 1003 and fraud report, borrower owns primary only with no previously owned properties identified. - Due Diligence Vendor-06/30/2023 |  | Waived--Client Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Reserves exceed requirement by 10 months or more / Compensating Factor 3 - DSCR > 1.15<br> - Due Diligence Vendor-07/05/2023 | DSCR % greater than 1.20 - 1.17% DSCR exceeds 0.75% minimum required.<br>LTV is less than guideline maximum - 60% LTV is less than 75% maximum. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 791308 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 791362 | xxxxxx D A | Closed | xxxxxx | 2023-07-17 18:35 | 2025-09-19 18:12 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved--Client response: The property that has not been purchased yet should not be on the REO schedule or in debts so 1008 1003 uploaded to other condition removing REO<br> - AUDIT RESPONSE: REO has been removed from DTI calculation - Due Diligence Vendor-08/02/2023 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing proof of PTITI on REO property in order to cacl DTI - Due Diligence Vendor-07/17/2023 |  | Resolved--Client response: The property that has not been purchased yet should not be on the REO schedule or in debts so 1008 1003 uploaded to other condition removing REO<br> - AUDIT RESPONSE: REO has been removed from DTI calculation - Due Diligence Vendor-08/02/2023 | Qualifying DTI below maximum allowed - -14.48% DTI < 50% max<br>Months Reserves exceed minimum required - - Verified 18.4 months reserves; only 6 months required<br>LTV is less than guideline maximum - -80% LTV < 85% max |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 791362 | xxxxxx D A | Closed | xxxxxx | 2023-07-17 14:18 | 2023-08-02 10:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved--Client response: The property that has not been purchased yet should not be on the REO schedule or in debts so 1008 1003 uploaded to other condition removing REO<br> - AUDIT RESPONSE: REO has been removed from DTI calculation<br> - Due Diligence Vendor-08/02/2023 <br> Open--Missing verification of PITIA for new property investment purchase: xxxxxx. - Due Diligence Vendor-07/17/2023 |  | Resolved--Client response: The property that has not been purchased yet should not be on the REO schedule or in debts so 1008 1003 uploaded to other condition removing REO<br> - AUDIT RESPONSE: REO has been removed from DTI calculation<br> - Due Diligence Vendor-08/02/2023 | Qualifying DTI below maximum allowed - -14.48% DTI < 50% max<br>Months Reserves exceed minimum required - - Verified 18.4 months reserves; only 6 months required<br>LTV is less than guideline maximum - -80% LTV < 85% max |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 791362 | xxxxxx D A | Closed | xxxxxx | 2023-07-17 14:54 | 2023-07-21 15:16 | Resolved | 1 - Information C A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved--Client response: The previous primary that is being retained is worth less than the new primary, it is smaller than the new primary and the room count is less. The subject property was built in xxxxxx and has xxxxxx and it is a xxxxxx. The previous primary was built in xxxxxx and it has xxxxxx. It is an attached xxxxxx. The full payment for the previous primary was included in the DTI. It is reasonable that the borrower wishes to upgrade to a superior property for his primary residence and the new primary residence is superior in every way. It is superior in price, room count, age, GLA, lot size and design style. <br> - AUDIT RESPONSE: Upon further review, agree, subject property is superior to prior residence - Due Diligence Vendor-07/21/2023 <br> Open--File is missing LOX for purchase of new primary in same neighborhood as existing primary; based on current primary docs the two properties are similar in size, value and expense. Departure residence retained as Second Home (per 1008) and is not a reasonable distance from subject property purchased as a Primary residence. Subject Occupancy as Primary is not supported. - Due Diligence Vendor-07/17/2023 |  | Resolved--Client response: The previous primary that is being retained is worth less than the new primary, it is smaller than the new primary and the room count is less. The subject property was built in xxxxxx and has xxxxxx and it is a xxxxxx property. The previous primary was built in xxxxxx and it has xxxxxx. It is an attached xxxxxx. The full payment for the previous primary was included in the DTI. It is reasonable that the borrower wishes to upgrade to a superior property for his primary residence and the new primary residence is superior in every way. It is superior in price, room count, age, GLA, lot size and design style. <br> - AUDIT RESPONSE: Upon further review, agree, subject property is superior to prior residence - Due Diligence Vendor-07/21/2023 | Qualifying DTI below maximum allowed - -14.48% DTI < 50% max<br>Months Reserves exceed minimum required - - Verified 18.4 months reserves; only 6 months required<br>LTV is less than guideline maximum - -80% LTV < 85% max |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 791373 | xxxxxx D A | Closed | xxxxxx | 2023-08-06 12:29 | 2023-08-22 08:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Paystubs Missing | Resolved--Received YTD paystub that supports monthly income used for qualifying - Due Diligence Vendor-08/22/2023 <br> Open-Borrower 1 Paystubs Missing - Missing paystub to support YTD and qualifying income. Per guide paystub to include the borrower's full name, address, employer name, year-to-date earnings, and rate of pay. - Due Diligence Vendor-08/06/2023 |  | Resolved--Received YTD paystub that supports monthly income used for qualifying - Due Diligence Vendor-08/22/2023 | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 731 is at least 20 points above minimum for program 660.<br>Months Reserves exceed minimum required - - Months Reserves 14 exceed minimum required 3. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 791373 | xxxxxx D A | Closed | xxxxxx | 2023-08-06 12:39 | 2023-08-22 08:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved--Received UDN - Due Diligence Vendor-08/22/2023 <br>Open-Borrower 1 Gap Credit Report is Missing - Per guide require a GAP within 10 days of closing. material due to 49.2% DTI with allowable 50% - Due Diligence Vendor-08/06/2023 |  | Resolved--Received UDN - Due Diligence Vendor-08/22/2023 | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 731 is at least 20 points above minimum for program 660.<br>Months Reserves exceed minimum required - - Months Reserves 14 exceed minimum required 3. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 791373 | xxxxxx D A | Closed | xxxxxx | 2023-08-06 12:58 | 2023-08-22 08:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved--Received documentation to support borrower is 100% owner of xxxxxx - Due Diligence Vendor-08/22/2023 <br> Open-- Borrower own rental property :xxxxxx. Current ownership of property supported by mortgage on credit report and mortgage statement in file.<br> Lease in file expired, rent supported by 2 months of rent deposit to xxxxxx Bank xxxxxxxx. However, account holder is " xxxxxx." That does not match lease in file but matches Fraud report. That reflect Borrower transfer REO to xxxxxx. on 2/21/2023. File contain SOS and proof of sole ownership of only "xxxxxx." Provide documentation to support Borrower owner of xxxxxx. If rental is not supported, qualifying mortgage payment $3629.25. Will cause DTI > 50%.<br> - Due Diligence Vendor-08/06/2023 |  | Resolved--Received documentation to support borrower is 100% owner of xxxxxx - Due Diligence Vendor-08/22/2023 | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 731 is at least 20 points above minimum for program 660.<br>Months Reserves exceed minimum required - - Months Reserves 14 exceed minimum required 3. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 791386 | xxxxxx C B A | Closed | xxxxxx | 2023-07-27 16:28 | 2025-09-17 15:25 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved--Rec'd YTD income statements supporting B1 monthly income - Due Diligence Vendor-09/10/2023 <br> Counter--Borrower 2 income was already removed. Finding remains due to missing B1 information/documentation. Received 2 months bank statements for xxxxxx xxxxxx Management however, these do not support the 1099 income of $15,989.55 monthly. Finding remains - Due Diligence Vendor-08/28/2023 <br> Ready for Review-Cobo income removed as not needed to qualify, see attached revised 1008/1003 - Buyer-08/28/2023 <br> Counter--Per Clients request and updated 1008/1003, B2 income has been removed. - B1: Received 2 months bank statements for xxxxxx xxxxxx Management however, these do not support the 1099 income of $15,989.55 monthly. Finding remains - Due Diligence Vendor-08/24/2023 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing - Due Diligence Vendor-07/27/2023 |  | Resolved--Rec'd YTD income statements supporting B1 monthly income - Due Diligence Vendor-09/10/2023 | Qualifying DTI below maximum allowed - - Qualifying DTI 38% below maximum allowed 50%.<br>LTV is less than guideline maximum - - LTV 59.24% is less than guideline maximum 80%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 791386 | xxxxxx C B A | Closed | xxxxxx | 2023-08-24 11:49 | 2023-09-12 16:04 | Resolved | 1 - Information A | Credit | Income/Employment | Borrower 2 Total Years Employment Verified is Less Than 24 Months | Resolved--Per Client, file updated to exclude B2 income - Due Diligence Vendor-09/12/2023 <br>Open-Borrower 2 Total Years Employment Verified is Less Than 24 Months - Due Diligence Vendor-08/24/2023 |  | Resolved--Per Client, file updated to exclude B2 income - Due Diligence Vendor-09/12/2023 | Qualifying DTI below maximum allowed - - Qualifying DTI 38% below maximum allowed 50%.<br>LTV is less than guideline maximum - - LTV 59.24% is less than guideline maximum 80%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 791386 | xxxxxx C B A | Closed | xxxxxx | 2023-07-26 16:33 | 2023-09-10 16:01 | Resolved | 1 - Information C A | Credit | Income/Employment | Income documentation does not meet guidelines | Resolved--Rec'd YTD income statements supporting B1 monthly income - Due Diligence Vendor-09/10/2023 <br> Counter--Received same documents. B1: Received 2 months bank statements for xxxxxx xxxxxx Management however, these do not support the 1099 income of $15,989.55 monthly. Finding remains - Due Diligence Vendor-08/25/2023 <br> Counter--Per Clients request and updated 1008/1003, B2 income has been removed. - B1: Received 2 months bank statements for xxxxxx xxxxxx Management however, these do not support the 1099 income of $15,989.55 monthly. Finding remains - Due Diligence Vendor-08/24/2023 <br> Counter-Counter<br> - UPDATED: B2 (12 month income verification) Received 2+ months bank statements which support income however, file is missing 12 months 1099 IRS transcripts as required by guidelines. 2022 transcript in file shows "no record found". Finding remains<br>UPDATED: B1 (12 months income verification) Received same tax transcripts already in file and reviewed. File is missing evidence of year-to-date earnings via YTD bank statements, a printout of YTD wages from their employer/employers or the xxxxxx. VOE with YTD income must be completed by each employer, as required by guidelines. Finding remains - Due Diligence Vendor-07/27/2023 <br> Open---Qualifying income for Co-Borrower based on 1099 income for the year 2022, employed as xxxxxx. However does not meet guidelines as require 1099s to be validated with a wage and income transcript from the IRS. No tax transcript in file. Also, missing evidence of year-to-date earnings via YTD bank statements, a printout of YTD wages from their employer/employers or the xxxxxx. VOE with YTD income must be completed by each employer. File contain Bank statement- xxxxxx cU and account holder - xxxxxx LLC. Unable to confirm if deposit on bank statement are real estate commissions.<br>- Qualifying income for Borrower supported by 1099 and tax transcript for 2022. However does not meet guidelines as missing evidence of year-to-date earnings via YTD bank statements, a printout of YTD wages from their employer/employers or the xxxxxx. VOE with YTD income must be completed by each employer - Due Diligence Vendor-07/27/2023 |  | Resolved--Rec'd YTD income statements supporting B1 monthly income - Due Diligence Vendor-09/10/2023 | Qualifying DTI below maximum allowed - - Qualifying DTI 38% below maximum allowed 50%.<br>LTV is less than guideline maximum - - LTV 59.24% is less than guideline maximum 80%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 791386 | xxxxxx C B A | Closed | xxxxxx | 2023-07-17 13:22 | 2023-07-18 09:57 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Waived-Borrower 1 Credit Report is Missing. - Borrower 2 Credit Report is Missing <br> - File is missing original credit report. Inquiries reflect last credit pull date 2/27/2023. deemed non material due to GAP report in file with score dated 6/12/2023.<br> Client waiver applied to non-material finding - Due Diligence Vendor-07/17/2023 |  | Waived-Borrower 1 Credit Report is Missing. - Borrower 2 Credit Report is Missing <br> - File is missing original credit report. Inquiries reflect last credit pull date 2/27/2023. deemed non material due to GAP report in file with score dated 6/12/2023.<br> Client waiver applied to non-material finding - Due Diligence Vendor-07/17/2023 | Qualifying DTI below maximum allowed - - Qualifying DTI 38% below maximum allowed 50%.<br>LTV is less than guideline maximum - - LTV 59.24% is less than guideline maximum 80%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 791405 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 791458 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 791497 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 791498 | xxxxxx B A | Closed | xxxxxx | 2023-06-24 10:59 | 2023-06-26 09:08 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Funding date xxxxxx per estimated HUD-1.<br> - Deemed non material HOI effective on disbursement date.<br> Client waiver applied to non-material finding<br> - Due Diligence Vendor-06/24/2023 |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Funding date xxxxxx per estimated HUD-1.<br> - Deemed non material HOI effective on disbursement date.<br> Client waiver applied to non-material finding<br> - Due Diligence Vendor-06/24/2023 | Qualifying FICO score is at least 20 points above minimum for program - 780 FICO exceeds 660 minimum required.<br>LTV is less than guideline maximum - 75% LTV is less than 80% maximum. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 791502 | xxxxxx C B A | Closed | xxxxxx | 2023-06-25 12:48 | 2023-06-30 16:48 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived--Client Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 10 months or more<br> - Due Diligence Vendor-06/30/2023 <br> Open-Cash Out Does Not Meet Guideline Requirements - Subject property ownership since xxxxxx, less than 12 months but more than 6 months. Appraised value used for LTV calculation. Appraiser indicate xxxxxx recently updated and significant increase in value. However, does not meet guideline as allow Loan Amount limited to the property's purchase price (xxxxxx) plus documented improvements. File is missing total incurred improvement cost. - Due Diligence Vendor-06/25/2023 |  | Waived--Client Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 10 months or more<br> - Due Diligence Vendor-06/30/2023 | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 736 is at least 20 points above minimum for program 620.<br>Months Reserves exceed minimum required - -28 months reserves and 3 months required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 791502 | xxxxxx C B A | Closed | xxxxxx | 2023-06-25 13:05 | 2023-06-26 13:25 | Waived | 2 - Non-Material B | Property | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Waived--Client waiver applied to non-material finding - FEMA disaster declaration xxxxxxxx , declaration date xxxxxx; Public assistance only available for xxxxxx. Prior to the Note date xxxxxx, After Appraisal date xxxxxx and completion report dated xxxxxx. Missing post disaster inspection report. - Due Diligence Vendor-06/25/2023 |  | Waived--Client waiver applied to non-material finding - FEMA disaster declaration xxxxxxxx , declaration date xxxxxx; Public assistance only available for xxxxxx. Prior to the Note date xxxxxx, After Appraisal date xxxxxx and completion report dated xxxxxx. Missing post disaster inspection report. - Due Diligence Vendor-06/25/2023 | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 736 is at least 20 points above minimum for program 620.<br>Months Reserves exceed minimum required - -28 months reserves and 3 months required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 791511 | xxxxxx C A | Closed | xxxxxx | 2023-06-26 13:00 | 2023-06-29 12:56 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Satisfactory Chain of Title has been provided - Due Diligence Vendor-06/29/2023 <br>Open-Unsatisfactory Chain of Title provided -24 month chain of title not provided. - Due Diligence Vendor-06/26/2023 |  | Resolved-Satisfactory Chain of Title has been provided - Due Diligence Vendor-06/29/2023 | Qualifying FICO score is at least 20 points above minimum for program - 797 qualifying FICO > 700 minimum required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 791609 | xxxxxx C B A | Closed | xxxxxx | 2023-07-26 09:22 | 2023-07-28 12:32 | Resolved | 1 - Information C A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved--Received CDA which supports appraised value - Due Diligence Vendor-07/28/2023 <br>Open-Missing CU/LCA score of 2.5 or less or Desk Review per guidelines. - Due Diligence Vendor-07/26/2023 |  | Resolved--Received CDA which supports appraised value - Due Diligence Vendor-07/28/2023 | Qualifying DTI below maximum allowed - - DTI 35% is lower than max allowed of 50%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 687 is higher than required 660<br>Months Reserves exceed minimum required - - Verified 198 months reserves exceed required 6 by 192 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 791609 | xxxxxx C B A | Closed | xxxxxx | 2023-07-26 10:39 | 2023-07-26 10:39 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived--Client approved exception, Borrower exposure exceeds $5mm limit - Due Diligence Vendor-07/26/2023 |  | Waived--Client approved exception, Borrower exposure exceeds $5mm limit - Due Diligence Vendor-07/26/2023 | Qualifying DTI below maximum allowed - - DTI 35% is lower than max allowed of 50%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 687 is higher than required 660<br>Months Reserves exceed minimum required - - Verified 198 months reserves exceed required 6 by 192 months | -DTI <= 40% which is below requirement in guidelines | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 791636 | xxxxxx D A | Closed | xxxxxx | 2023-08-09 12:55 | 2023-08-18 14:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-08/18/2023 <br>Open-Borrower 1 Gap Credit Report is Missing - A gap credit or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or any time after closing. DTI 8%. - Due Diligence Vendor-08/09/2023 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-08/18/2023 | Qualifying DTI below maximum allowed - Qualifying DTI 8.73% below maximum allowed<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 702 is at least 20 points above minimum for program 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 791636 | xxxxxx D A | Closed | xxxxxx | 2023-08-09 13:29 | 2023-08-18 14:43 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved--Received satisfaction of mortgage - Due Diligence Vendor-08/17/2023 <br> Open-Housing History Does Not Meet Guideline Requirements - Provide VOM or documentation to support 1x30 in the past 12 months history, mortgage for property xxxxxx.. File contain Mortgage through resource bank in the amount $xxxxxx and total indebtedness for $50,000,000. Additional conditions may apply.<br> - Also provide insurance with premium amount for primary residence xxxxxx. - Due Diligence Vendor-08/09/2023 |  | Resolved--Received satisfaction of mortgage - Due Diligence Vendor-08/17/2023 | Qualifying DTI below maximum allowed - Qualifying DTI 8.73% below maximum allowed<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 702 is at least 20 points above minimum for program 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 791636 | xxxxxx D A | Closed | xxxxxx | 2023-08-08 22:07 | 2023-08-18 14:42 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved--Legal description provided. - Due Diligence Vendor-08/18/2023 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. - File contain Exhibit A - legal description. But missing legal description. - Due Diligence Vendor-08/09/2023 |  | Resolved--Legal description provided. - Due Diligence Vendor-08/18/2023 | Qualifying DTI below maximum allowed - Qualifying DTI 8.73% below maximum allowed<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 702 is at least 20 points above minimum for program 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 791636 | xxxxxx D A | Closed | xxxxxx | 2023-08-09 13:03 | 2023-08-18 14:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved--Documentation to support cancelation of debt provided to show borrower is no longer owner. - Due Diligence Vendor-08/18/2023 <br> Open--Fraud report reflect Borrower owner of xxxxxx since xxxxxx. Provide documentation to support PITIA. Also, require an updated 1003 with all REO owned information. - Due Diligence Vendor-08/09/2023 |  | Resolved--Documentation to support cancelation of debt provided to show borrower is no longer owner. - Due Diligence Vendor-08/18/2023 | Qualifying DTI below maximum allowed - Qualifying DTI 8.73% below maximum allowed<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 702 is at least 20 points above minimum for program 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 791692 | xxxxxx C B A | Closed | xxxxxx | 2023-08-16 10:42 | 2023-08-24 08:29 | Resolved | 1 - Information C A | Credit | Eligibility | Asset do not meet guidelines | Resolved--Received supporting documentation that funds came from borrower - Due Diligence Vendor-08/24/2023 <br> Open--Missing evidence for earnest money deposit of $47,000 clearing the borrower's account as required for non-arms length transactions. Seller is the borrower's landlord for his current residence. - Due Diligence Vendor-08/16/2023 |  | Resolved--Received supporting documentation that funds came from borrower - Due Diligence Vendor-08/24/2023 | Months Reserves exceed minimum required - Months Reserves 9.7 exceed minimum required<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 771 > 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 791692 | xxxxxx C B A | Closed | xxxxxx | 2023-08-16 10:32 | 2023-08-16 12:32 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Audited Loan Amount of xxxxxx is greater than the Guideline Maximum Loan Amount of $2000000 - Max loan amount for xxxxxx property is $2,000,000. Lender exception requested and approved by client. Client waiver applied to non material finding - Due Diligence Vendor-08/16/2023 |  | Waived-Audited Loan Amount of xxxxxx is greater than the Guideline Maximum Loan Amount of $2000000 - Max loan amount for xxxxxx property is $2,000,000. Lender exception requested and approved by client. Client waiver applied to non material finding - Due Diligence Vendor-08/16/2023 | Months Reserves exceed minimum required - Months Reserves 9.7 exceed minimum required<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 771 > 660. | -Credit Score 30+ points > minimum required | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 791692 | xxxxxx C B A | Closed | xxxxxx | 2023-08-16 10:45 | 2023-08-16 12:28 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived--CEMA purchase transaction. Guidelines allow for CEMA on refinance loans but do not mention purchase loans. Lender exception requested and approved by client. Client waiver applied to non material finding - Due Diligence Vendor-08/16/2023 |  | Waived--CEMA purchase transaction. Guidelines allow for CEMA on refinance loans but do not mention purchase loans. Lender exception requested and approved by client. Client waiver applied to non material finding - Due Diligence Vendor-08/16/2023 | Months Reserves exceed minimum required - Months Reserves 9.7 exceed minimum required<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 771 > 660. | -Credit Score 30+ points > minimum required | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 791859 | xxxxxx D B A | Closed | xxxxxx | 2023-07-07 12:18 | 2023-07-18 14:13 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved--Received all supporting documentation - Due Diligence Vendor-07/18/2023 <br>Counter--Received HOA questionnaire for subject property. Question #24 states subject is in current litigation however no details provided to determine if guideline requirement is met. Finding remains - Due Diligence Vendor-07/14/2023 <br>Counter--Questionnaire provided is not for subject Borrower or property. Finding remains - Due Diligence Vendor-07/12/2023 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. - Due Diligence Vendor-07/07/2023 |  | Resolved--Received all supporting documentation - Due Diligence Vendor-07/18/2023 | LTV is less than guideline maximum - - LTV 50.85% is lower than max 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 736 is 116 points higher than required 620 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 791859 | xxxxxx D B A | Closed | xxxxxx | 2023-07-07 11:57 | 2023-07-14 15:18 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved--Received Title with sufficient coverage - Due Diligence Vendor-07/14/2023 <br>Counter--Title document received makes no reference to Borrower, property or Loan Policy coverage. Finding remains - Due Diligence Vendor-07/12/2023 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). - Coverage amount was not provided - Due Diligence Vendor-07/07/2023 |  | Resolved--Received Title with sufficient coverage - Due Diligence Vendor-07/14/2023 | LTV is less than guideline maximum - - LTV 50.85% is lower than max 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 736 is 116 points higher than required 620 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 791859 | xxxxxx D B A | Closed | xxxxxx | 2023-07-07 12:57 | 2023-07-07 12:57 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo does not meet requirements | Waived--Client approve exception The project has pending litigations for slip and fall, which do not affect the overall safety nor possess any hazard. Litigation does not impact borrower or subject unit. - Due Diligence Vendor-09/22/2025 |  | Waived--Client approve exception The project has pending litigations for slip and fall, which do not affect the overall safety nor possess any hazard. Litigation does not impact borrower or subject unit. - Due Diligence Vendor-09/22/2025 | LTV is less than guideline maximum - - LTV 50.85% is lower than max 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 736 is 116 points higher than required 620 | -Credit Score 30+ points > minimum required<br> - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 791859 | xxxxxx D B A | Closed | xxxxxx | 2023-07-07 12:28 | 2023-07-07 12:28 | Waived | 2 - Non-Material B | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Waived-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx - Deemed non material HOI effective on disbursement date xxxxxx.<br> Client waiver applied to non-material finding<br> - Due Diligence Vendor-07/07/2023 |  | Waived-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx - Deemed non material HOI effective on disbursement date xxxxxx.<br> Client waiver applied to non-material finding<br> - Due Diligence Vendor-07/07/2023 | LTV is less than guideline maximum - - LTV 50.85% is lower than max 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 736 is 116 points higher than required 620 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 791859 | xxxxxx D B A | Closed | xxxxxx | 2023-07-07 08:52 | 2023-07-07 09:01 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing - Client waiver applied to non-material Findings - Due Diligence Vendor-07/07/2023 |  | Waived-Required Affiliated Business Disclosure Missing - Client waiver applied to non-material Findings - Due Diligence Vendor-07/07/2023 | LTV is less than guideline maximum - - LTV 50.85% is lower than max 80%<br>Qualifying FICO score is at least 20 points above minimum for program - - Mid FICO 736 is 116 points higher than required 620 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 791993 | xxxxxx C B A | Closed | xxxxxx | 2023-07-21 09:44 | 2025-09-22 08:52 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved--Lender calculations provided that support DTI used at time of origination and exception granted by client for being over 45% maximum allowed. - Due Diligence Vendor-07/24/2023 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. - Audit calculated income resulted in a DTI of 87.94% - Due Diligence Vendor-07/21/2023 |  | Resolved--Lender calculations provided that support DTI used at time of origination and exception granted by client for being over 45% maximum allowed. - Due Diligence Vendor-07/24/2023 | Qualifying FICO score is at least 20 points above minimum for program - - FICO of 769 > 680.<br>Months Reserves exceed minimum required - -41 months reserves > 6 months required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 791993 | xxxxxx C B A | Closed | xxxxxx | 2023-07-21 09:26 | 2023-07-26 15:25 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 30+ points > minimum required - Due Diligence Vendor-07/26/2023 <br> Open-Housing History Does Not Meet Guideline Requirements - Missing a 12 month VOR for current primary residence. Copies of rent checks were provided, however, the file is missing the actual Verification of Rent form from landlord confirming timely payment. - Due Diligence Vendor-07/21/2023 |  | Waived-The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 30+ points > minimum required - Due Diligence Vendor-07/26/2023 | Qualifying FICO score is at least 20 points above minimum for program - - FICO of 769 > 680.<br>Months Reserves exceed minimum required - -41 months reserves > 6 months required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 791993 | xxxxxx C B A | Closed | xxxxxx | 2023-07-21 09:53 | 2023-07-24 14:01 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived--Audit DTI 46.60% which matches DTI client exception is for. - Due Diligence Vendor-07/24/2023 <br>Open-Audited DTI of 87.94% exceeds Guideline DTI of 45% - Audit averaged net income from P&L at $13,899.35 versus lender's figure of $26,229.03 resulted in a DTI that exceeds guidelines. Unable to determine lender's figure since no income sheet was provided. Exception approval in file for DTI exception, however , the approval is only for a DTI of 46.85 on a FTHB - Due Diligence Vendor-07/21/2023 |  | Waived--Audit DTI 46.60% which matches DTI client exception is for. - Due Diligence Vendor-07/24/2023 | Qualifying FICO score is at least 20 points above minimum for program - - FICO of 769 > 680.<br>Months Reserves exceed minimum required - -41 months reserves > 6 months required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 791993 | xxxxxx C B A | Closed | xxxxxx | 2023-07-21 09:56 | 2023-07-24 14:00 | Resolved | 1 - Information C A | Credit | Eligibility | Borrower does not meet residual income requirement | Resolved--Lender calculations provided that support lender calculated DTI and acceptable residual income. - Due Diligence Vendor-07/24/2023 <br>Open--Residual income of $1,676.19 does not meet the requirement of $2,750. - Due Diligence Vendor-07/21/2023 |  | Resolved--Lender calculations provided that support lender calculated DTI and acceptable residual income. - Due Diligence Vendor-07/24/2023 | Qualifying FICO score is at least 20 points above minimum for program - - FICO of 769 > 680.<br>Months Reserves exceed minimum required - -41 months reserves > 6 months required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 791993 | xxxxxx C B A | Closed | xxxxxx | 2023-07-21 09:08 | 2023-07-21 11:52 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Disbursement date on CD xxxxxx. Client waiver applied to non material finding - Due Diligence Vendor-07/21/2023 |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Disbursement date on CD xxxxxx. Client waiver applied to non material finding - Due Diligence Vendor-07/21/2023 | Qualifying FICO score is at least 20 points above minimum for program - - FICO of 769 > 680.<br>Months Reserves exceed minimum required - -41 months reserves > 6 months required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 792004 | xxxxxx D B A | Closed | xxxxxx | 2023-09-06 09:38 | 2023-09-06 09:38 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income/Employment General | Waived--Client exception granted to use higher of market rents vs actual rents to qualify. - Due Diligence Vendor-09/06/2023 |  | Waived--Client exception granted to use higher of market rents vs actual rents to qualify. - Due Diligence Vendor-09/06/2023 | LTV is less than guideline maximum - 62.79% LTV, program allows 70%. <br>Months Reserves exceed minimum required - 93 months reserves, 12 months required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 792004 | xxxxxx D B A | Closed | xxxxxx | 2023-08-20 14:19 | 2023-08-31 09:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved--Received initial credit report - Due Diligence Vendor-08/31/2023 <br> Counter--Received gap report dated 07/27/23. Provide original credit report dated 06/16/23 - Due Diligence Vendor-08/30/2023 <br> Open-Borrower 1 Credit Report is Missing. Missing credit report for both borrowers with qualifying score of 799. Subject to review and possible additional conditions. - Due Diligence Vendor-08/20/2023 |  | Resolved--Received initial credit report - Due Diligence Vendor-08/31/2023 | LTV is less than guideline maximum - 62.79% LTV, program allows 70%. <br>Months Reserves exceed minimum required - 93 months reserves, 12 months required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 792004 | xxxxxx D B A | Closed | xxxxxx | 2023-08-20 14:21 | 2023-08-30 13:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved--Received fraud report - Due Diligence Vendor-08/30/2023 <br> Open-Missing Third Party Fraud Report Missing verification that all parties to the transaction (Borrower(s), Originator(s), Broker, Loan Officer, and Real Estate Agent(s)) were submitted to an automated PFN approved fraud and data check tool. - Due Diligence Vendor-08/20/2023 |  | Resolved--Received fraud report - Due Diligence Vendor-08/30/2023 | LTV is less than guideline maximum - 62.79% LTV, program allows 70%. <br>Months Reserves exceed minimum required - 93 months reserves, 12 months required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 792004 | xxxxxx D B A | Closed | xxxxxx | 2023-08-20 13:44 | 2023-08-30 13:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved--Received title commitment - Due Diligence Vendor-08/30/2023 <br>Open-Title Document is missing Missing title insurance policy or commitment - Due Diligence Vendor-08/20/2023 |  | Resolved--Received title commitment - Due Diligence Vendor-08/30/2023 | LTV is less than guideline maximum - 62.79% LTV, program allows 70%. <br>Months Reserves exceed minimum required - 93 months reserves, 12 months required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 792186 | xxxxxx B | Closed | xxxxxx | 2023-07-27 11:56 | 2023-07-27 15:50 | Waived | 2 - Non-Material B | Property | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Waived-Subject is located in FEMA Disaster area. Public assistance only. xxxxxx, and xxxxxx (xxxxxx) and xxxxxx, and xxxxxx (xxxxxx).<br> Client waiver applied to non-material finding<br> - Due Diligence Vendor-07/27/2023 |  | Waived-Subject is located in FEMA Disaster area. Public assistance only. xxxxxx, and xxxxxx (xxxxxx) and xxxxxx, and xxxxxx (xxxxxx).<br> Client waiver applied to non-material finding<br> - Due Diligence Vendor-07/27/2023 | LTV is less than guideline maximum - 75% LTV is less than 80% maximum.<br>Qualifying DTI below maximum allowed - 42.94% DTI is less than 50% maximum. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 792186 | xxxxxx B | Closed | xxxxxx | 2023-07-27 11:35 | 2023-07-27 15:49 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Disbursement date xxxxxx.<br> - Deemed non material HOI effective on disbursement date.<br> Client waiver applied to non-material finding<br> - Due Diligence Vendor-07/27/2023 |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Disbursement date xxxxxx.<br> - Deemed non material HOI effective on disbursement date.<br> Client waiver applied to non-material finding<br> - Due Diligence Vendor-07/27/2023 | LTV is less than guideline maximum - 75% LTV is less than 80% maximum.<br>Qualifying DTI below maximum allowed - 42.94% DTI is less than 50% maximum. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 792186 | xxxxxx B | Closed | xxxxxx | 2023-07-26 07:52 | 2023-07-26 07:52 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings<br> - Due Diligence Vendor-07/26/2023 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings<br> - Due Diligence Vendor-07/26/2023 | LTV is less than guideline maximum - 75% LTV is less than 80% maximum.<br>Qualifying DTI below maximum allowed - 42.94% DTI is less than 50% maximum. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 792303 | xxxxxx D A | Closed | xxxxxx | 2023-07-26 12:19 | 2025-09-19 14:00 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Documentation supports loan being an investment property, not for personal use. Purchase of investment - Due Diligence Vendor-07/27/2023 <br>Open-The Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-07/26/2023 |  | Resolved-Documentation supports loan being an investment property, not for personal use. Purchase of investment - Due Diligence Vendor-07/27/2023 | Qualifying FICO score is at least 20 points above minimum for program - 682 fico, 620 required<br>LTV is less than guideline maximum - 52% LTV, program allows 75% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 792377 | xxxxxx C B A | Closed | xxxxxx | 2023-07-28 18:06 | 2025-09-22 11:10 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Waived--Provide documentation to support P&I for property xxxxxx. Property detail report reflect Borrower owner with additional owners. No mortgage on credit report. DTI 6%. Therefore considered non-material. - Due Diligence Vendor-07/28/2023 |  | Waived--Provide documentation to support P&I for property xxxxxx. Property detail report reflect Borrower owner with additional owners. No mortgage on credit report. DTI 6%. Therefore considered non-material. - Due Diligence Vendor-07/28/2023 | Months Reserves exceed minimum required - - Months Reserves 17 exceed minimum required 5.<br>Qualifying DTI below maximum allowed - - Qualifying DTI 6.5% below maximum allowed 50%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 792377 | xxxxxx C B A | Closed | xxxxxx | 2023-07-28 19:12 | 2023-08-02 16:20 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived--Originator waiver applied to finding, loan does meet purchaser min FICO requirement. - Due Diligence Vendor-08/02/2023 <br> Counter--Received Originator exception. Please provide purchaser approval/waiver. Finding remains - Due Diligence Vendor-08/02/2023 <br> Ready for Review-Document Uploaded. see attached - Seller-08/02/2023 <br> Counter--xxxxxx guidelines do not allow, exception approval must be provided. Finding remains as non-material - Due Diligence Vendor-08/02/2023 <br> Ready for Review-Document Uploaded. Document Uploaded. - Seller-08/01/2023 <br> Ready for Review-disregard<br> - Buyer-08/01/2023 <br> Ready for Review-Document Uploaded. Loan was approved w/ xxxxxx guidelines - Seller-08/01/2023 <br> Open-Audited FICO of 647 is less than Guideline FICO of 660 - Program Client advantage min score 660. DTI 6%. Pending Client Approval - Due Diligence Vendor-07/28/2023 | Ready for Review-Document Uploaded. see attached - Seller-08/02/2023 <br> Ready for Review-Document Uploaded. Document Uploaded. - Seller-08/01/2023 <br> Ready for Review-Document Uploaded. Loan was approved w/ xxxxxx guidelines - Seller-08/01/2023 | Waived--Originator waiver applied to finding, loan does meet purchaser min FICO requirement. - Due Diligence Vendor-08/02/2023 | Months Reserves exceed minimum required - - Months Reserves 17 exceed minimum required 5.<br>Qualifying DTI below maximum allowed - - Qualifying DTI 6.5% below maximum allowed 50%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 792377 | xxxxxx C B A | Closed | xxxxxx | 2023-07-28 18:32 | 2023-08-02 16:19 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Waived--Originator waiver applied for less than 2 years self-employment. - Due Diligence Vendor-08/02/2023 <br> Counter--Received same Originator exception already reviewed. Please provide purchaser approval/waiver. Finding remains - Due Diligence Vendor-08/02/2023 <br> Ready for Review-Document Uploaded. xxxxxx provided the exception to S/E < 2 yrs. (Upper Mgmt has advised xxxxxx u/w to xxxxxx guidelines and uses their Matrix. Please advise where on the Matrix that it states they will not do 1 yr S/E. - Buyer-08/02/2023 <br> Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months - Guideline require 2 years of business ownership. Exception in file for Self-Employed in 1 business for 1 year 2 months but self-employed for over 2 years in the same line of business. Pending Client approval - Due Diligence Vendor-07/28/2023 |  | Waived--Originator waiver applied for less than 2 years self-employment. - Due Diligence Vendor-08/02/2023 | Months Reserves exceed minimum required - - Months Reserves 17 exceed minimum required 5.<br>Qualifying DTI below maximum allowed - - Qualifying DTI 6.5% below maximum allowed 50%. | -Residual Income<br> -3 months additional reserves to make 6 months.<br> - DTI below 10% | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 792377 | xxxxxx C B A | Closed | xxxxxx | 2023-07-28 17:20 | 2023-07-29 14:36 | Waived | 2 - Non-Material B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Client waiver applied to non-material finding - Due Diligence Vendor-07/29/2023 |  | Waived-Purchase Contract Expiration Date of xxxxxx is prior to Note Date of xxxxxx Client waiver applied to non-material finding - Due Diligence Vendor-07/29/2023 | Months Reserves exceed minimum required - - Months Reserves 17 exceed minimum required 5.<br>Qualifying DTI below maximum allowed - - Qualifying DTI 6.5% below maximum allowed 50%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 792475 | xxxxxx D B A | Closed | xxxxxx | 2023-08-25 13:38 | 2023-09-05 09:52 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-There are no issues present on the Mortgage Document (Deed of Trust). Rec'd recorded Mortgage with Schedule A/Legal description present; finding resolved. - Due Diligence Vendor-09/05/2023 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. - Missing legal Description Exhibit A. Exhibit is partially provided in file with APN only. - Due Diligence Vendor-08/25/2023 |  | Resolved-There are no issues present on the Mortgage Document (Deed of Trust). Rec'd recorded Mortgage with Schedule A/Legal description present; finding resolved. - Due Diligence Vendor-09/05/2023 | Qualifying FICO score is at least 20 points above minimum for program - 801 FICO exceeds 660 minimum required.<br>LTV is less than guideline maximum - 49.76% LTV is less than 80% maximum. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 792475 | xxxxxx D B A | Closed | xxxxxx | 2023-08-25 15:01 | 2023-08-31 09:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved--Received complete fraud report for B1 and B2 - Due Diligence Vendor-08/31/2023 <br>Counter--Client response: Please see fraud report <br> - AUDIT RESPONSE: Fraud report for B2 not provided. Finding remains - Due Diligence Vendor-08/29/2023 <br>Open-Third Party Fraud Report Partially Provided - Missing fraud report for B2. - Due Diligence Vendor-08/25/2023 |  | Resolved--Received complete fraud report for B1 and B2 - Due Diligence Vendor-08/31/2023<br>| Qualifying FICO score is at least 20 points above minimum for program - 801 FICO exceeds 660 minimum required.<br>LTV is less than guideline maximum - 49.76% LTV is less than 80% maximum. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 792475 | xxxxxx D B A | Closed | xxxxxx | 2023-08-25 15:35 | 2023-08-29 15:23 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved--Documentation provided to support another party paying auto loan. DTI now within guidelines. - Due Diligence Vendor-08/29/2023 <br> Counter--Income recalculated using May and June business bank statements provided which increased income slightly, used 1003 income listed, updated DTI is 50.54%. Difference is in consumer debts of $528. It appears Originator excluded xxxxxx of $528. Finding remains - Due Diligence Vendor-08/29/2023 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. - DTI > 50%; Missing 06/23 and 05/23 business account #xxxxxx statements; unable to verify higher income calculated by Lender and unable to determine how Lender calculated lower total monthly liabilities than verified in file. PITI is $2601.71 and debt total is $1034 per gap credit 08/09/23. - Due Diligence Vendor-08/25/2023 |  | Resolved--Documentation provided to support another party paying auto loan. DTI now within guidelines. - Due Diligence Vendor-08/29/2023<br>| Qualifying FICO score is at least 20 points above minimum for program - 801 FICO exceeds 660 minimum required.<br>LTV is less than guideline maximum - 49.76% LTV is less than 80% maximum. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 792475 | xxxxxx D B A | Closed | xxxxxx | 2023-08-25 15:44 | 2023-08-29 15:21 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved--Documentation supports exclusion of debt paid by another party. DTI now within guidelines. - Due Diligence Vendor-08/29/2023 <br> Counter--Income recalculated using May and June business bank statements provided which increased income slightly, used 1003 income listed, updated DTI is 50.54%. Difference is in consumer debts of $528. It appears Originator excluded xxxxxx of $528. Finding remains - Due Diligence Vendor-08/29/2023 <br> Open-Audited DTI of 51.73% exceeds Guideline DTI of 50% - DTI > 50%; Missing 06/23 and 05/23 business account #xxxxxx statements; unable to verify higher income calculated by Lender and unable to determine how Lender calculated lower total monthly liabilities than verified in file. PITI is $2601.71 and debt total is $1034 per gap credit 08/09/23. - Due Diligence Vendor-08/25/2023 |  | Resolved--Documentation supports exclusion of debt paid by another party. DTI now within guidelines. - Due Diligence Vendor-08/29/2023<br>| Qualifying FICO score is at least 20 points above minimum for program - 801 FICO exceeds 660 minimum required.<br>LTV is less than guideline maximum - 49.76% LTV is less than 80% maximum. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 792475 | xxxxxx D B A | Closed | xxxxxx | 2023-08-25 11:40 | 2023-08-25 12:19 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-08/25/2023 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-08/25/2023 | Qualifying FICO score is at least 20 points above minimum for program - 801 FICO exceeds 660 minimum required.<br>LTV is less than guideline maximum - 49.76% LTV is less than 80% maximum. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 792475 | xxxxxx D B A | Closed | xxxxxx | 2023-08-25 11:40 | 2023-08-25 11:40 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Partially Provided | Waived-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) Client waiver applied to non-material Findings - Due Diligence Vendor-08/25/2023 |  | Waived-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) Client waiver applied to non-material Findings - Due Diligence Vendor-08/25/2023 | Qualifying FICO score is at least 20 points above minimum for program - 801 FICO exceeds 660 minimum required.<br>LTV is less than guideline maximum - 49.76% LTV is less than 80% maximum. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 792515 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 792524 | xxxxxx C B A | Closed | xxxxxx | 2023-07-11 12:00 | 2023-07-20 11:44 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Property | Waived--Client Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 30+ points > minimum required<br> - Due Diligence Vendor-07/20/2023 <br> Open-- Appraisal reflect xxxxxx comparable are greater than xxxxxx, therefore, considered ""xxxxxx" per guide. Exception in file but not approved by the Client. <br> Meets Client "xxxxxx" GL for DSCR as subject is less than 2 acres. - Due Diligence Vendor-07/11/2023 |  | Waived--Client Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 30+ points > minimum required<br> - Due Diligence Vendor-07/20/2023 | LTV is less than guideline maximum - - LTV 65% is less than guideline maximum 75%<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 769 is at least 20 points above minimum for program 620. | 1) Marked xxxxxx per the appraisal; <br> 2) Over 75% of the surrounding area is developed per the appraisal; 3) Distance to schools and amenities is less than 25 miles. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 792525 | xxxxxx D B A | Closed | xxxxxx | 2023-07-11 09:40 | 2023-07-17 16:35 | Resolved | 1 - Information C A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-Received document - Due Diligence Vendor-07/17/2023 <br>Counter--Received same document already in file and reviewed, page 4 overlaps page 5. Finding remains - Due Diligence Vendor-07/14/2023 <br>Open-The Deed of Trust is Incomplete - Provide complete and legible mortgage. Pg 4 and 5 are overlapped. Provide a complete pg 4 and 5 of the document. - Due Diligence Vendor-07/11/2023 |  | Resolved-Received document - Due Diligence Vendor-07/17/2023<br>| Months Reserves exceed minimum required - Months Reserves 9 mos exceed minimum required<br>DSCR % greater than 1.20 - DSCR 1.53% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 792525 | xxxxxx D B A | Closed | xxxxxx | 2023-07-11 11:13 | 2023-07-17 12:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Partially Present | Resolved--Received corrected title - Due Diligence Vendor-07/17/2023 <br> Open-Title Document is incomplete or only partially present - Title reflect effective date xxxxxx. Provide title with a correct effective date. - Due Diligence Vendor-07/11/2023 |  | Resolved--Received corrected title - Due Diligence Vendor-07/17/2023<br>| Months Reserves exceed minimum required - Months Reserves 9 mos exceed minimum required<br>DSCR % greater than 1.20 - DSCR 1.53% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 792525 | xxxxxx D B A | Closed | xxxxxx | 2023-07-11 10:43 | 2023-07-14 12:28 | Resolved | 1 - Information C A | Credit | Eligibility | Condo does not meet requirements | Resolved--Received HOA documents which state the owner has the ability to rent the unit - Due Diligence Vendor-07/14/2023 <br> Open--Condo Questionnaire- reflect Project located in a xxxxxx.<br> However, does not meet guide as does not specify if timeshare restricts the owners ability to rent the unit or not. - Due Diligence Vendor-07/11/2023 |  | Resolved--Received HOA documents which state the owner has the ability to rent the unit - Due Diligence Vendor-07/14/2023<br>| Months Reserves exceed minimum required - Months Reserves 9 mos exceed minimum required<br>DSCR % greater than 1.20 - DSCR 1.53% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 792525 | xxxxxx D B A | Closed | xxxxxx | 2023-07-11 10:08 | 2023-07-11 12:15 | Waived | 2 - Non-Material B | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Waived-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx - per Settlement statement disbursement date xxxxxx.<br> - Deemed non material HOI effective on disbursement date.<br> Client waiver applied to non-material finding<br> - Due Diligence Vendor-07/11/2023 |  | Waived-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx - per Settlement statement disbursement date xxxxxx.<br> - Deemed non material HOI effective on disbursement date.<br> Client waiver applied to non-material finding<br> - Due Diligence Vendor-07/11/2023 | Months Reserves exceed minimum required - Months Reserves 9 mos exceed minimum required<br>DSCR % greater than 1.20 - DSCR 1.53% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 792752 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 792795 | xxxxxx D B A | Closed | xxxxxx | 2023-08-14 11:35 | 2023-08-15 15:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-08/15/2023 <br>Ready for Review-Flood Certificate is page 188 of the complete loan file PDF - please remove the finding. - Seller-08/15/2023 <br>Open-Missing Flood Certificate - Missing satisfactory flood cert for subject property. - Due Diligence Vendor-08/14/2023 | Ready for Review-Flood Certificate is page 188 of the complete loan file PDF - please remove the finding. - Seller-08/15/2023 | Resolved-Flood Certificate is fully present - Due Diligence Vendor-08/15/2023 | Months Reserves exceed minimum required - -9 months reserves > 0 reserve requirement.<br>Qualifying FICO score is at least 20 points above minimum for program - -801 FICO > 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 792795 | xxxxxx D B A | Closed | xxxxxx | 2023-08-14 12:03 | 2023-08-14 13:38 | Waived | 2 - Non-Material B | Credit | Eligibility | Unable To Determine Guidelines Used At Origination | Waived--Lender approval lists product type as TBD, loan meets current guideline version. Deemed non-material and waiver applied. - Due Diligence Vendor-08/14/2023 |  | Waived--Lender approval lists product type as TBD, loan meets current guideline version. Deemed non-material and waiver applied. - Due Diligence Vendor-08/14/2023 | Months Reserves exceed minimum required - -9 months reserves > 0 reserve requirement.<br>Qualifying FICO score is at least 20 points above minimum for program - -801 FICO > 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 792799 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 792939 | xxxxxx B A | Closed | xxxxxx | 2023-08-10 17:07 | 2023-08-10 17:56 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Client waiver applied to non-material finding - Effective prior to disbursement: xxxxxx - Due Diligence Vendor-08/10/2023 |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Client waiver applied to non-material finding - Effective prior to disbursement: xxxxxx - Due Diligence Vendor-08/10/2023 | Qualifying FICO score is at least 20 points above minimum for program - -798 qualifying FICO > 660 min required<br>LTV is less than guideline maximum - -75% LTV < 80% Max |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 792939 | xxxxxx B A | Closed | xxxxxx | 2023-08-10 11:18 | 2023-08-10 11:18 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-08/10/2023 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-08/10/2023 | Qualifying FICO score is at least 20 points above minimum for program - -798 qualifying FICO > 660 min required<br>LTV is less than guideline maximum - -75% LTV < 80% Max |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 793064 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 793088 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 793130 | xxxxxx D A | Closed | xxxxxx | 2023-08-21 13:16 | 2023-08-23 08:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present; Taxes calculated using tax rate from tax cert on new PP. - Due Diligence Vendor-08/23/2023 <br>Open-Missing Evidence of Property Tax - Due Diligence Vendor-08/21/2023 |  | Resolved-Evidence of Property Tax is present; Taxes calculated using tax rate from tax cert on new PP. - Due Diligence Vendor-08/23/2023 | Qualifying DTI below maximum allowed - 41.83% DTI < 49.99% maximum allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - 753 FICO > 660 minimum allowed |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 793142 | xxxxxx C B A | Closed | xxxxxx | 2023-08-30 11:18 | 2023-09-20 08:42 | Resolved | 1 - Information C A | Credit | Eligibility | Legal document incorrect or has issues | Resolved--Received corrected Note, Mortgage, Final CD and evidence mortgage being sent for re-recording - Due Diligence Vendor-09/20/2023 <br> Counter--Seller Comments: confirming correct address is Pointe. <br> - Audit Response: corrected Note and Mortgage needed for address. Title already reflect correct address. - Due Diligence Vendor-09/12/2023 <br> Open-- Note and Mortgage reflect address xxxxxx. However Deed ;Appraisal and xxxxxx indicate add xxxxxx. Please provide clarification and updated documents. - Due Diligence Vendor-08/30/2023 |  | Resolved--Received corrected Note, Mortgage, Final CD and evidence mortgage being sent for re-recording - Due Diligence Vendor-09/20/2023 | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 766 is at least 20 points above minimum for program 700.<br>Months Reserves exceed minimum required - - Months Reserves 18 exceed minimum required 12. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 793142 | xxxxxx C B A | Closed | xxxxxx | 2023-08-30 12:34 | 2023-09-08 12:01 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived--Client Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 6 months or more<br> - Due Diligence Vendor-09/08/2023 <br> Counter--Rec'd Road Maintenance Agmt; pending Client exception since easement is not on title. - Due Diligence Vendor-09/08/2023 <br> Open--Appraisal reflect xxxxxx. However no agreement or easement on title. Provide xxxxxx Maintenance Agreement. Since xxxxxx is not on title audit would consider non-material with Client exception. - Due Diligence Vendor-08/30/2023 |  | Waived--Client Waiver: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 6 months or more<br> - Due Diligence Vendor-09/08/2023 | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 766 is at least 20 points above minimum for program 700.<br>Months Reserves exceed minimum required - - Months Reserves 18 exceed minimum required 12. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 793179 | xxxxxx D B A | Closed | xxxxxx | 2023-09-08 12:39 | 2023-09-20 08:44 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Waived--The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 30+ points > minimum required / Compensating Factor 3 - 0x30 for 24 months on all mortgages - Due Diligence Vendor-09/20/2023 <br> Open--Missing explanation for xxxxxx xxxxxx inquiry. - Due Diligence Vendor-09/08/2023 |  | Waived--The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 30+ points > minimum required / Compensating Factor 3 - 0x30 for 24 months on all mortgages - Due Diligence Vendor-09/20/2023 | Qualifying FICO score is at least 20 points above minimum for program - 726 FICO exceeds 660 minimum required.<br>LTV is less than guideline maximum - 57.26% LTV is less than 80% maximum. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 793179 | xxxxxx D B A | Closed | xxxxxx | 2023-09-08 13:23 | 2023-09-18 15:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved--Received evidence of full PITI - Due Diligence Vendor-09/18/2023 <br> Open-Missing verification of TIA for primary residence located on xxxxxx. VOM provided P&I payment only. Payment disclosed on 1003 used to qualify. - Due Diligence Vendor-09/08/2023 |  | Resolved--Received evidence of full PITI - Due Diligence Vendor-09/18/2023<br>| Qualifying FICO score is at least 20 points above minimum for program - 726 FICO exceeds 660 minimum required.<br>LTV is less than guideline maximum - 57.26% LTV is less than 80% maximum. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 793179 | xxxxxx D B A | Closed | xxxxxx | 2023-09-08 13:20 | 2023-09-18 10:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved--Received supporting documentation - Due Diligence Vendor-09/18/2023 <br> Open-Missing source of deposits to xxxxxx ending xxxxxx: $20,000 on 07/06/2023 identified from xxxxxx and $18,862 xxxxxx on 07/12/2023. Funds needed for closing and reserves. - Due Diligence Vendor-09/08/2023 |  | Resolved--Received supporting documentation - Due Diligence Vendor-09/18/2023<br>| Qualifying FICO score is at least 20 points above minimum for program - 726 FICO exceeds 660 minimum required.<br>LTV is less than guideline maximum - 57.26% LTV is less than 80% maximum. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 793179 | xxxxxx D B A | Closed | xxxxxx | 2023-09-08 13:42 | 2023-09-08 17:14 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 51.93% exceeds Guideline DTI of 50% Audit DTI of 56.23% exceeds 50% maximum (does not meet requirements for 55% due to residual) and also exceeds lender's DTI of 51.004% noted on 1008. Variance to lender due to Audit included all debt from credit report (matches 1003 but not 1008), Audit used base income from both borrowers paystubs using the currency converter provided (does not match lender's base income used), and Audit use taxes from tax cert which was slightly higher than noted on 1008/1st pay letter. Exception in file by Lender and approved by Client for DTI 0.23 over guideline. Client waiver in file<br> - Due Diligence Vendor-09/08/2023 |  | Waived-Audited DTI of 51.93% exceeds Guideline DTI of 50% Audit DTI of 56.23% exceeds 50% maximum (does not meet requirements for 55% due to residual) and also exceeds lender's DTI of 51.004% noted on 1008. Variance to lender due to Audit included all debt from credit report (matches 1003 but not 1008), Audit used base income from both borrowers paystubs using the currency converter provided (does not match lender's base income used), and Audit use taxes from tax cert which was slightly higher than noted on 1008/1st pay letter. Exception in file by Lender and approved by Client for DTI 0.23 over guideline. Client waiver in file<br> - Due Diligence Vendor-09/08/2023 | Qualifying FICO score is at least 20 points above minimum for program - 726 FICO exceeds 660 minimum required.<br>LTV is less than guideline maximum - 57.26% LTV is less than 80% maximum. | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 793274 | xxxxxx D B A | Closed | xxxxxx | 2023-08-11 14:44 | 2023-08-15 15:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved--Received tax bill - Due Diligence Vendor-08/15/2023 <br> Open-Missing Evidence of Property Tax - Missing tax estimate. Current taxes taken from tax search that did not include school taxes. Further, tax search in name of selling LLC, and property was xxxxxx. - Due Diligence Vendor-08/11/2023 |  | Resolved--Received tax bill - Due Diligence Vendor-08/15/2023 | Qualifying FICO score is at least 20 points above minimum for program - -783 FICO and 680 minimum<br>Qualifying DTI below maximum allowed - 30.09% DTI is less than 45% maximum. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 793274 | xxxxxx D B A | Closed | xxxxxx | 2023-08-11 15:24 | 2023-08-15 15:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved--Received supporting documentation - Due Diligence Vendor-08/15/2023 <br> Open-Missing source of $40,000 deposit to xxxxxx ending xxxxxx. Funds needed for closing/reserves. - Due Diligence Vendor-08/11/2023 |  | Resolved--Received supporting documentation - Due Diligence Vendor-08/15/2023 | Qualifying FICO score is at least 20 points above minimum for program - -783 FICO and 680 minimum<br>Qualifying DTI below maximum allowed - 30.09% DTI is less than 45% maximum. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 793274 | xxxxxx D B A | Closed | xxxxxx | 2023-08-11 06:59 | 2023-08-11 17:11 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved--Loan is within APR tolerance. - Due Diligence Vendor-08/11/2023 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of excess of allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 8.217% is within allowable threshold of APOR of 6.72% + 1.75% or 8.47%. - Due Diligence Vendor-08/11/2023 |  | Resolved--Loan is within APR tolerance. - Due Diligence Vendor-08/11/2023 | Qualifying FICO score is at least 20 points above minimum for program - -783 FICO and 680 minimum<br>Qualifying DTI below maximum allowed - 30.09% DTI is less than 45% maximum. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 793274 | xxxxxx D B A | Closed | xxxxxx | 2023-08-11 14:12 | 2023-08-11 15:43 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements - VOR plus 6 months cancelled checks required but most recent two months paid by borrower's son. Exception in file by Lender and approved by Client<br> - Due Diligence Vendor-08/11/2023 |  | Waived-Housing History Does Not Meet Guideline Requirements - VOR plus 6 months cancelled checks required but most recent two months paid by borrower's son. Exception in file by Lender and approved by Client<br> - Due Diligence Vendor-08/11/2023 | Qualifying FICO score is at least 20 points above minimum for program - -783 FICO and 680 minimum<br>Qualifying DTI below maximum allowed - 30.09% DTI is less than 45% maximum. | DTI = 40% which is below requirements in guidelines.<br> Reserves exceed requirement by 2 months or more. 6 months required and 7.72 verified.</TD | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 793274 | xxxxxx D B A | Closed | xxxxxx | 2023-08-11 15:41 | 2023-08-11 15:43 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of 671 is less than Guideline FICO of 680 - Minimum of 680 required for FTHB. Exception in file by Lender and approved by Client.<br> - Due Diligence Vendor-08/11/2023 |  | Waived-Audited FICO of 671 is less than Guideline FICO of 680 - Minimum of 680 required for FTHB. Exception in file by Lender and approved by Client.<br> - Due Diligence Vendor-08/11/2023 | Qualifying FICO score is at least 20 points above minimum for program - -783 FICO and 680 minimum<br>Qualifying DTI below maximum allowed - 30.09% DTI is less than 45% maximum. | DTI = 40% which is below requirements in guidelines.<br> Reserves exceed requirement by 2 months or more. 6 months required and 7.72 verified.</TD | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 793354 | xxxxxx C B A | Closed | xxxxxx | 2023-08-20 10:06 | 2025-09-22 14:07 | Waived | 2 - Non-Material C B | Compliance | TRID | TRID Initial Loan Estimate Date and Initial Closing Disclosure Date Validation Test | Waived--Statute of limitations has expired, waiver applied to B grade finding. - Due Diligence Vendor-09/22/2025 <br> Waived--Client granted waiver on Compliance xxxxxx. - Due Diligence Vendor-09/07/2023 <br> Counter-Received LOX CD xxxxxx was issued in error due to a system glitch; however, the CD xxxxxx was still issued and executed by the borrower on xxxxxx, the same date as the LE xxxxxx. Finding remains. - Due Diligence Vendor-09/07/2023 <br> Counter--Received CD issued xxxxxx, hand signed xxxxxx however, this does not resolve the issue. Initial CD xxxxxx and final LE xxxxxx (both signed xxxxxx) cannot be issued on the same day, must provide one day gap. Finding remains - Due Diligence Vendor-09/07/2023 <br> Open-This loan failed the TRID initial loan estimate date and initial closing disclosure date validation test.This loan contains an initial closing disclosure receipt date (or initial closing disclosure delivery date if receipt date was not provided) that is on or before any loan estimate delivery date. Please review the loan data to ensure the dates are in the correct fields. Revised LE xxxxxx issued and executed on xxxxxx. Initial CD issued and executed on xxxxxx. Final LE and Initial CD cannot be issued on the same day, must have 1 day gap. -1 Year SOL - expires on xxxxxx - Due Diligence Vendor-09/07/2023 |  | Waived--Statute of limitations has expired, waiver applied to B grade finding. - Due Diligence Vendor-09/22/2025 <br> Waived--Client granted waiver on Compliance xxxxxx. - Due Diligence Vendor-09/07/2023 | Qualifying FICO score is at least 20 points above minimum for program - 755 FICO > 620 minimum required<br>LTV is less than guideline maximum - 65% LTV < 80% maximum allowed. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 793354 | xxxxxx C B A | Closed | xxxxxx | 2023-08-23 14:36 | 2023-08-23 17:12 | Waived | 2 - Non-Material B | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Waived-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx xxxxxx was the disbursement date per the Post Close Closing Disclosure. - Client waiver applied to non-material finding - Due Diligence Vendor-08/23/2023 |  | Waived-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx xxxxxx was the disbursement date per the Post Close Closing Disclosure. - Client waiver applied to non-material finding - Due Diligence Vendor-08/23/2023 | Qualifying FICO score is at least 20 points above minimum for program - 755 FICO > 620 minimum required<br>LTV is less than guideline maximum - 65% LTV < 80% maximum allowed. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 793539 | xxxxxx D A | Closed | xxxxxx | 2023-08-18 17:11 | 2023-09-19 11:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved--Received supporting documentation - Due Diligence Vendor-09/19/2023 <br> Open--Missing tax and insurance information for xxxxxx. The amount is stated on the application however the documentation supporting the amount is missing. - Due Diligence Vendor-08/18/2023 |  | Resolved--Received supporting documentation - Due Diligence Vendor-09/19/2023 | Months Reserves exceed minimum required - -16 months borrower own reserves > 3 months required.<br>Qualifying DTI below maximum allowed - Qualifying DTI 42.14% below maximum allowed |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 793539 | xxxxxx D A | Closed | xxxxxx | 2023-08-18 16:52 | 2023-09-15 13:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-09/15/2023 <br>Open-Borrower 1 Gap Credit Report is Missing - Missing a gap/xxxxxx credit report dated no more than 10 days prior to closing or anytime after. DTI 42.14% - Due Diligence Vendor-08/18/2023 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-09/15/2023 | Months Reserves exceed minimum required - -16 months borrower own reserves > 3 months required.<br>Qualifying DTI below maximum allowed - Qualifying DTI 42.14% below maximum allowed |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 793733 | xxxxxx C B A | Closed | xxxxxx | 2023-08-29 14:01 | 2023-08-29 14:01 | Waived | 2 - Non-Material B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-- Appraisal reflect for Unit xxxxxx and xxxxxx sq ft xxxxxx. However does not meet guideline requirement of 600 square feet of gross living area. Originator exception in file. Waiver applied to non-material finding as comparable properties show similar sized units and does not impact marketability. - Due Diligence Vendor-09/22/2025 |  | Waived-- Appraisal reflect for Unit xxxxxx and xxxxxx. However does not meet guideline requirement of 600 square feet of gross living area. Originator exception in file. Waiver applied to non-material finding as comparable properties show similar sized units and does not impact marketability. - Due Diligence Vendor-09/22/2025 | Months Reserves exceed minimum required - - Months Reserves 137 exceed minimum required 8.<br>LTV is less than guideline maximum - - LTV 57.69% is less than guideline maximum 65%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxxxxx |
| 793733 | xxxxxx C B A | Closed | xxxxxx | 2023-08-03 12:32 | 2023-08-15 16:08 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved--Received assessors information and all photos are included in appraisal - Due Diligence Vendor-08/15/2023 <br> Ready for Review-Document Uploaded. see attached email from broker/appraiser and county assessor property information - - Buyer-08/15/2023 <br> Counter--Received updated appraisal. Only 1 photo is labeled xxxxxx and it is of the porch. Provide appraisal with all photos properly labeled for each address. Finding remains - Due Diligence Vendor-08/14/2023 <br> Ready for Review-Document Uploaded. Document Uploaded. - Buyer-08/11/2023 <br> Counter--All photos for subject are labeled xxxxxx. Provide interior photos properly labeled for unit xxxxxx. Finding remains - Due Diligence Vendor-08/08/2023 <br> Ready for Review-Document Uploaded. Document Uploaded. - Buyer-08/07/2023 <br> Open--Missing comp rental 1,2 and 3 pics missing.- Subject xxxxxx unit property. Missing interior pictures of Unit xxxxxx. - Due Diligence Vendor-08/03/2023 |  | Resolved--Received assessors information and all photos are included in appraisal - Due Diligence Vendor-08/15/2023<br>| Months Reserves exceed minimum required - - Months Reserves 137 exceed minimum required 8.<br>LTV is less than guideline maximum - - LTV 57.69% is less than guideline maximum 65%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 793736 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 793899 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 793966 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 794132 | xxxxxx C A | Closed | xxxxxx | 2023-08-15 13:40 | 2023-08-16 18:33 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Less Than 2 Months Verified | Resolved--Client response: Acct # xxxxxx opened 7/3/23 so this not 60-day activity for the account. It has not been opened for 60 days. See attached account activity and sourcing of large deposits - AUDIT RESPONSE: Acct #xxxxxx opened less than 30 days however, all deposit to open account have been sourced and are from open and active accounts greater than 60 days. - Due Diligence Vendor-08/16/2023 <br> Open-Asset 1 Less Than 2 Months Verified - File contain account ledger print for acct xxxxxxxx with a beginning balance $0 on 7/3/2023, till 7/18/2023.. Does not meet guideline as require documentation should cover 60 day period. - Due Diligence Vendor-08/15/2023 |  | Resolved--Client response: Acct # xxxxxx opened 7/3/23 so this not 60-day activity for the account. It has not been opened for 60 days. See attached account activity and sourcing of large deposits - AUDIT RESPONSE: Acct #xxxxxx opened less than 30 days however, all deposit to open account have been sourced and are from open and active accounts greater than 60 days. - Due Diligence Vendor-08/16/2023 | Months Reserves exceed minimum required - - Months Reserves 15 exceed minimum required 3.<br>Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 794 is at least 20 points above minimum for program 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 794191 | xxxxxx C B A | Closed | xxxxxx | 2023-08-22 11:37 | 2023-08-25 13:58 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved--Originator management review of appraiser conducted before proceeding. - Due Diligence Vendor-08/25/2023 <br> Ready for Review-"we do keep an internal Appraiser Watch List – for appraisers that are in the list does NOT mean that we don't accept appraisals from these appraisers. Whenever we see appraisals that has some quality issue, we put these appraisers in the list, so that we pay extra attention to his/her appraisals thoroughly. As long as appraisals by these appraisers in the list are acceptable after careful review of the appraisal, we do proceed to approving the appraisal without further any documentation." - Seller-xxxxxx <br> Open-Fraud Report Shows Uncleared Alerts - Appraiser name is on internal lender watchlist and is a match. No documentation was provided to support the clearing of the alert. - Due Diligence Vendor-08/22/2023 | Ready for Review-"we do keep an internal Appraiser Watch List – for appraisers that are in the list does NOT mean that we don't accept appraisals from these appraisers. Whenever we see appraisals that has some quality issue, we put these appraisers in the list, so that we pay extra attention to his/her appraisals thoroughly. As long as appraisals by these appraisers in the list are acceptable after careful review of the appraisal, we do proceed to approving the appraisal without further any documentation." - Seller-08/25/2023 | Resolved--Originator management review of appraiser conducted before proceeding. - Due Diligence Vendor-08/25/2023<br>| Qualifying FICO score is at least 20 points above minimum for program - - FICO 810 > 660.<br>LTV is less than guideline maximum - -75% LTV < 80%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 794191 | xxxxxx C B A | Closed | xxxxxx | 2023-08-22 11:24 | 2023-08-22 15:39 | Waived | 2 - Non-Material B | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Waived-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx - Disburse date on CD is xxxxxx.<br> - Deemed non material HOI effective on disbursement date.<br> Client waiver applied to non-material finding<br> - Due Diligence Vendor-08/22/2023 |  | Waived-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx - Disburse date on CD is xxxxxx.<br> - Deemed non material HOI effective on disbursement date.<br> Client waiver applied to non-material finding<br> - Due Diligence Vendor-08/22/2023 | Qualifying FICO score is at least 20 points above minimum for program - - FICO 810 > 660.<br>LTV is less than guideline maximum - -75% LTV < 80%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 794191 | xxxxxx C B A | Closed | xxxxxx | 2023-08-18 12:42 | 2023-08-18 12:42 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings - Due Diligence Vendor-08/18/2023 |  | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings - Due Diligence Vendor-08/18/2023<br>| Qualifying FICO score is at least 20 points above minimum for program - - FICO 810 > 660.<br>LTV is less than guideline maximum - -75% LTV < 80%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 794434 | xxxxxx B A | Closed | xxxxxx | 2023-09-07 14:07 | 2023-09-07 14:39 | Waived | 2 - Non-Material B | Credit | Insurance | Flood Insurance Effective Date is after the Note Date | Waived-Flood Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Deemed non material - HOI effective on disbursement date xxxxxx; Client waiver applied to non-material finding - Due Diligence Vendor-09/07/2023 |  | Waived-Flood Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Deemed non material - HOI effective on disbursement date xxxxxx; Client waiver applied to non-material finding - Due Diligence Vendor-09/07/2023 | Months Reserves exceed minimum required - - Verified 8.51 months P&I reserves; only 4 months required<br>Qualifying FICO score is at least 20 points above minimum for program - -790 qualifying FICO > 660 min required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 794434 | xxxxxx B A | Closed | xxxxxx | 2023-09-07 09:04 | 2023-09-07 09:27 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied. Non-Material finding. - Due Diligence Vendor-09/07/2023 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied. Non-Material finding. - Due Diligence Vendor-09/07/2023<br>| Months Reserves exceed minimum required - - Verified 8.51 months P&I reserves; only 4 months required<br>Qualifying FICO score is at least 20 points above minimum for program - -790 qualifying FICO > 660 min required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 794856 | xxxxxx B A | Closed | xxxxxx | 2023-08-30 16:37 | 2023-09-14 16:11 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved--Received 1008 - Due Diligence Vendor-09/14/2023 <br>Open-Missing Approval/Underwriting Summary - Final 1008/Approval not provided - Due Diligence Vendor-08/30/2023 |  | Resolved--Received 1008 - Due Diligence Vendor-09/14/2023<br>| LTV is less than guideline maximum - -39.51% LTV < 80% max allowed<br>Qualifying FICO score is at least 20 points above minimum for program - -703 qualifying FICO > 660 min required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 794911 | xxxxxx B A | Closed | xxxxxx | 2023-09-03 13:31 | 2023-09-08 17:36 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to Non-Material findings - Due Diligence Vendor-09/03/2023 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to Non-Material findings - Due Diligence Vendor-09/03/2023 | Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income $16,311.73.<br>Qualifying DTI below maximum allowed - 41.9% DTI, program allows 50%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 794932 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 794987 | xxxxxx C B A | Closed | xxxxxx | 2023-09-12 13:25 | 2023-10-05 07:47 | Waived | 2 - Non-Material C B | Credit | Closing | Collections, liens or judgments not paid at closing | Waived--Received exception approved to leave collection account open. - Finding is deemed non-material. - Originator waiver applied to non-material Findings - Due Diligence Vendor-10/05/2023 <br> Ready for Review-Document Uploaded. Please see uploaded exception approval. - Seller-10/05/2023 <br> Counter--The guideline reads: Collections must generally be paid off prior to or at closing, however if an individual account balance is under $250 and the aggregate of accounts outstanding is under $1,000 it may remain open. xxxxxx collections may remain open regardless of amount. Meaning, if you had multiple accounts in which, individually are under $250 and collectively under $1000, they are not required to be paid. This individual collection is for $658 therefore it is required to be paid prior to or at closing. Finding remains - Due Diligence Vendor-09/14/2023 <br> Ready for Review-Any collection may be excluded if individually less than $250 or in aggregate less than $1,000.00<br> Please cancel condition. - Seller-09/13/2023 <br> Open-No evidence Enhanced Recovery Collection #xxxxxx in the amount of $658 was paid prior to or at closing; non-xxxxxx account >$250. - Due Diligence Vendor-09/12/2023 | Ready for Review-Document Uploaded. Please see uploaded exception approval. - Seller-10/05/2023 <br> Ready for Review-Any collection may be excluded if individually less than $250 or in aggregate less than $1,000.00<br> Please cancel condition. - Seller-09/13/2023 | Waived--Received exception approved to leave collection account open. - Finding is deemed non-material. - Originator waiver applied to non-material Findings - Due Diligence Vendor-10/05/2023<br>| Months Reserves exceed minimum required - Borrower has 16 months post closing reserves; 6 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 784; minimum required 660 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 795450 | xxxxxx B A | Closed | xxxxxx | 2023-08-31 11:12 | 2023-08-31 11:54 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-DSCR - Per the borrower's letter he does not have leases with his tenants of over 15 years, but all units are rented which is further supported by appraiser inspection of property and rent schedule as all are occupied month-to-month. Waiver applied to non-material finding. - Due Diligence Vendor-08/31/2023 |  | Waived-DSCR - Per the borrower's letter he does not have leases with his tenants of over 15 years, but all units are rented which is further supported by appraiser inspection of property and rent schedule as all are occupied month-to-month. Waiver applied to non-material finding. - Due Diligence Vendor-08/31/2023<br>| Qualifying FICO score is at least 20 points above minimum for program - 706 score exceeds guideline minimum.<br>LTV is less than guideline maximum - 60% LTV is below guideline max of 75%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 795736 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 795916 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 795941 | xxxxxx D B C A | Closed | xxxxxx | 2023-09-19 12:44 | 2023-10-03 15:26 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved--Received post close CD - Due Diligence Vendor-10/03/2023 <br> Ready for Review-Document Uploaded. attaching directly in Clarifii as it looks like the cure doc pushed from xxxxxx on xxxxxx didn't go thru - Buyer-10/03/2023 <br> Open-Final CD: xxxxxx does not have a seller's credit. Seller's CD: xxxxxx has a seller's credit of $17,000.00. Statue of limitations - three years; Expiration date: xxxxxx, without corrected PCCD being issued. - Due Diligence Vendor-09/19/2023 |  | Resolved--Received post close CD - Due Diligence Vendor-10/03/2023 | LTV is less than guideline maximum - 60% LTV < 80% maximum allowed<br>Qualifying FICO score is at least 20 points above minimum for program - 788 FICO > 688 minimum required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 795941 | xxxxxx D B C A | Closed | xxxxxx | 2023-09-19 17:00 | 2023-09-22 16:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved--Received gap report - Due Diligence Vendor-09/22/2023 <br>Open-Borrower 1 Gap Credit Report is Missing Current DTI is - Due Diligence Vendor-09/19/2023 |  | Resolved--Received gap report - Due Diligence Vendor-09/22/2023<br>| LTV is less than guideline maximum - 60% LTV < 80% maximum allowed<br>Qualifying FICO score is at least 20 points above minimum for program - 788 FICO > 688 minimum required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 795941 | xxxxxx D B C A | Closed | xxxxxx | 2023-09-22 16:02 | 2023-09-22 16:04 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Waived--Fraud report does not include all parties to the transaction in the OFAC and Exclusionary searches however, the borrower and seller are included therefore, Finding is deemed non-material. - Client waiver applied to non-material Findings - Due Diligence Vendor-09/22/2023 <br>Open-Third Party Fraud Report Partially Provided - Due Diligence Vendor-09/22/2023 |  | Waived--Fraud report does not include all parties to the transaction in the OFAC and Exclusionary searches however, the borrower and seller are included therefore, Finding is deemed non-material. - Client waiver applied to non-material Findings - Due Diligence Vendor-09/22/2023<br>| LTV is less than guideline maximum - 60% LTV < 80% maximum allowed<br>Qualifying FICO score is at least 20 points above minimum for program - 788 FICO > 688 minimum required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 795941 | xxxxxx D B C A | Closed | xxxxxx | 2023-09-19 17:00 | 2023-09-22 16:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved--Received fraud report - Due Diligence Vendor-09/22/2023 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-09/19/2023 |  | Resolved--Received fraud report - Due Diligence Vendor-09/22/2023 | LTV is less than guideline maximum - 60% LTV < 80% maximum allowed<br>Qualifying FICO score is at least 20 points above minimum for program - 788 FICO > 688 minimum required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 795965 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 795981 | xxxxxx C A | Closed | xxxxxx | 2023-09-14 11:45 | 2023-10-11 09:44 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved--Received leasehold with an expiration date of xxxxxx which is 60 months beyond the Note maturity date. - Due Diligence Vendor-10/11/2023 <br> Counter--Received documents regarding leasehold which reflects the leasehold ending xxxxxx which is prior to the maturity date of subject loan. Document provided by HOA only addresses the reset of the rent for the landleases but does not provide for an extension date. Finding remains - Due Diligence Vendor-09/26/2023 <br> Open--Leasehold property with lease expiring xxxxxx, prior to maturity of subject loan. No documentation to support leasehold converting to fee simple or extension. - Due Diligence Vendor-09/14/2023 |  | Resolved--Received leasehold with an expiration date of xxxxxx which is 60 months beyond the Note maturity date. - Due Diligence Vendor-10/11/2023 | Qualifying FICO score is at least 20 points above minimum for program - Borrowers fico of 747 Exceeds the minimum by 127 points.<br>Months Reserves exceed minimum required - borrower has 57 more months in reserves after closing |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 796010 | xxxxxx B A | Closed | xxxxxx | 2023-09-08 11:10 | 2023-09-08 17:20 | Waived | 2 - Non-Material B | Compliance | Points & Fees | xxxxxx Subprime Home Loan Test | Waived-This loan failed the xxxxxx subprime home loan test. (xxxxxx SB 8143 Section 5, 1(c))Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation.While the xxxxxx Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market Clients may prefer not to fund or buy subprime home loans even if the additional conditions are met. Non-Compliant Subprime Loan - APR on subject loan of 9.651% is in excess of allowable threshold of APOR of 7.35% + 1.75%, or 9.1%. - Client waiver applied to non-material finding - Due Diligence Vendor-09/08/2023 |  | Waived-This loan failed the xxxxxx subprime home loan test. (xxxxxx SB 8143 Section 5, 1(c))Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation.While the xxxxxx Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market Clients may prefer not to fund or buy subprime home loans even if the additional conditions are met. Non-Compliant Subprime Loan - APR on subject loan of 9.651% is in excess of allowable threshold of APOR of 7.35% + 1.75%, or 9.1%. - Client waiver applied to non-material finding - Due Diligence Vendor-09/08/2023 | LTV is less than guideline maximum - 35.14% LTV is less than 80% maximum.<br>Qualifying DTI below maximum allowed - 23.56% qualifying DTI is less than 50% maximum. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 796053 | xxxxxx C A | Closed | xxxxxx | 2023-10-24 16:17 | 2023-10-27 08:20 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved--Received title supplement - Due Diligence Vendor-10/27/2023 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Please provide Final Title or Supplement with a coverage amount equal to the loan amount. - Due Diligence Vendor-10/24/2023 |  | Resolved--Received title supplement - Due Diligence Vendor-10/27/2023<br>| Qualifying FICO score is at least 20 points above minimum for program - 760 FICO > 600 minimum required.<br>LTV is less than guideline maximum - 62.61% LTV < 75% maximum allowed. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 796100 | xxxxxx B A | Closed | xxxxxx | 2023-10-25 11:12 | 2023-10-25 11:36 | Waived | 2 - Non-Material B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Cash Out Does Not Meet Guideline Requirements Cash out not eligible for 1st time Client.<br> Client waiver in filed deemed non material. - Due Diligence Vendor-10/25/2023 |  | Waived-Cash Out Does Not Meet Guideline Requirements Cash out not eligible for 1st time Client.<br> Client waiver in filed deemed non material. - Due Diligence Vendor-10/25/2023 | Months Reserves exceed minimum required - Months Reserves exceed minimum required by 22 months <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score is 80 points above minimum for program<br>LTV is less than guideline maximum - LTV is less than guideline maximum by 17.36% | LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> Reserves exceed requirement by 2 months or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 796111 | xxxxxx D A C | Closed | xxxxxx | 2023-11-10 18:58 | 2023-11-16 15:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-GAP report provided. - Due Diligence Vendor-11/16/2023 <br>Counter--GAP report provided not dated within 10 days of Note date - Due Diligence Vendor-11/16/2023 <br>Open-Borrower 1 Gap Credit Report is Missing . DTI 44% with allowable 45% - Due Diligence Vendor-11/10/2023 |  | Resolved-GAP report provided. - Due Diligence Vendor-11/16/2023<br>| Months Reserves exceed minimum required - 24 months reserves exceeds 6 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 744 score exceeds 660 minimum. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 796111 | xxxxxx D A C | Closed | xxxxxx | 2023-11-08 16:51 | 2023-11-16 10:48 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved--Received PCCD dated xxxxxx with corrections - Due Diligence Vendor-11/16/2023 <br> Open------Final CD xxxxxx and PCCD xxxxxx- Loan Disclosures section is incomplete, missing Demand Feature and Partial Payments selections. Statute of Limitations Three Years: xxxxxx - Due Diligence Vendor-11/08/2023 |  | Resolved--Received PCCD dated xxxxxx with corrections - Due Diligence Vendor-11/16/2023 | Months Reserves exceed minimum required - 24 months reserves exceeds 6 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 744 score exceeds 660 minimum. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 796141 | xxxxxx D A | Closed | xxxxxx | 2023-10-20 15:32 | 2023-10-31 10:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | Escrow Waiver is Missing | Resolved-Not required per guides - Due Diligence Vendor-10/31/2023 <br>Open-Escrow Waiver is Missing Escrow waiver is missing from file. - Due Diligence Vendor-10/20/2023 |  | Resolved-Not required per guides - Due Diligence Vendor-10/31/2023<br>| Months Reserves exceed minimum required - Borrower has 7 months of reserves above the required<br>Qualifying FICO score is at least 20 points above minimum for program - Borrower's FICO is 40 points higher than the minimum |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 796141 | xxxxxx D A | Closed | xxxxxx | 2023-10-20 16:38 | 2023-10-26 08:47 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved--Client accepts xxxxxx subprime loans - Due Diligence Vendor-10/26/2023 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of excess of allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 8.113% is within allowable threshold of APOR of 7.4% + 1.75% or 9.15%. - Due Diligence Vendor-10/20/2023 |  | Resolved--Client accepts xxxxxx subprime loans - Due Diligence Vendor-10/26/2023 | Months Reserves exceed minimum required - Borrower has 7 months of reserves above the required<br>Qualifying FICO score is at least 20 points above minimum for program - Borrower's FICO is 40 points higher than the minimum |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 796199 | xxxxxx B A | Closed | xxxxxx | 2023-10-10 14:22 | 2023-10-11 05:58 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non material finding - Due Diligence Vendor-10/11/2023 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non material finding - Due Diligence Vendor-10/11/2023<br>| Months Reserves exceed minimum required - Borrower has 6.28 months of reserves and only needs 3 months to qualify.<br>LTV is less than guideline maximum - LTV is 46.29% and max allowed is 70%.<br>Qualifying DTI below maximum allowed - DTI is 25.40% and max allowed is 50%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 796237 | xxxxxx D A C | Closed | xxxxxx | 2023-10-09 18:30 | 2023-10-26 08:58 | 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-10/26/2023 <br>Counter--Received same expired gap report already in file and reviewed. Finding remains - Due Diligence Vendor-10/16/2023 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). DTI 49.15% with allowable 50% - Due Diligence Vendor-10/10/2023 |  | Resolved--Received gap report - Due Diligence Vendor-10/26/2023<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO is higher than the minimum required of 600.<br>LTV is less than guideline maximum - LTV 70% is less than guideline allowed 75% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 796237 | xxxxxx D A C | Closed | xxxxxx | 2023-10-10 10:11 | 2023-10-19 17:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved--Received final 1003 - Due Diligence Vendor-10/19/2023 <br> Counter--Client response: Final 1003 sending the second time. <br> - AUDIT RESPONSE: No document attached. Prior 1003 provided is dated xxxxxx and xxxxxx which is the initial application date. Note date is xxxxxx therefore a final 1003 would have similar date. Finding remains - Due Diligence Vendor-10/17/2023 <br> Counter--Received initial 1003. File is missing final 1003. Finding remains - Due Diligence Vendor-10/16/2023 <br> Open-The Final 1003 is Missing - Due Diligence Vendor-10/10/2023 |  | Resolved--Received final 1003 - Due Diligence Vendor-10/19/2023<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO is higher than the minimum required of 600.<br>LTV is less than guideline maximum - LTV 70% is less than guideline allowed 75% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 796237 | xxxxxx D A C | Closed | xxxxxx | 2023-10-10 11:26 | 2023-10-16 16:36 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved--Received additional assets - Due Diligence Vendor-10/16/2023 <br>Open-Total Qualified Assets Post-Close amount is '$-80425.27'. Assets are Insufficient. Missing verification of secured assets. Short cash to close and reserves required. - Due Diligence Vendor-10/10/2023 |  | Resolved--Received additional assets - Due Diligence Vendor-10/16/2023<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO is higher than the minimum required of 600.<br>LTV is less than guideline maximum - LTV 70% is less than guideline allowed 75% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 796237 | xxxxxx D A C | Closed | xxxxxx | 2023-10-10 11:29 | 2023-10-16 16:36 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved--Received additional assets - Due Diligence Vendor-10/16/2023 <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) Missing verification of secured assets. - Due Diligence Vendor-10/10/2023 |  | Resolved--Received additional assets - Due Diligence Vendor-10/16/2023<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO is higher than the minimum required of 600.<br>LTV is less than guideline maximum - LTV 70% is less than guideline allowed 75% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 796443 | xxxxxx D B A | Closed | xxxxxx | 2023-10-11 21:23 | 2023-10-26 16:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved--Received gap report - Due Diligence Vendor-10/26/2023 <br>Open-Borrower 1 Gap Credit Report is Missing, DTI 49.25%. - Due Diligence Vendor-10/12/2023 |  | Resolved--Received gap report - Due Diligence Vendor-10/26/2023<br>| Months Reserves exceed minimum required - 29 months exceeds 6 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 745 score exceeds 660 minimum. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 796443 | xxxxxx D B A | Closed | xxxxxx | 2023-10-11 21:54 | 2023-10-26 16:15 | Resolved | 1 - Information B A | Property | Property Issue | FEMA declared disaster after the note date and appraisal date | Resolved--Received PDI with no damage noted - Due Diligence Vendor-10/26/2023 <br> Open-xxxxxx), Incident Period: xxxxxx. Public Assistance Only.<br> Client waiver applied to non-material finding - Due Diligence Vendor-10/12/2023 |  | Resolved--Received PDI with no damage noted - Due Diligence Vendor-10/26/2023<br>| Months Reserves exceed minimum required - 29 months exceeds 6 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 745 score exceeds 660 minimum. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 796443 | xxxxxx D B A | Closed | xxxxxx | 2023-10-11 21:43 | 2023-10-12 11:26 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-Allow partial rent from lease agreement to be used in qualifying income. Client waiver provided. - Due Diligence Vendor-10/12/2023 |  | Waived-Allow partial rent from lease agreement to be used in qualifying income. Client waiver provided. - Due Diligence Vendor-10/12/2023<br>| Months Reserves exceed minimum required - 29 months exceeds 6 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 745 score exceeds 660 minimum. | -Current primary home ownership > 5 years<br> - Credit Score 30+ points > minimum required<br> - Current primary home ownership > 5 years<br> - Credit Score 30+ points > minimum required | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 796449 | xxxxxx D A | Closed | xxxxxx | 2023-09-08 10:45 | 2023-10-03 14:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved--Received searches for parties listed - Due Diligence Vendor-10/03/2023 <br> Open-Third Party Fraud Report Partially Provided - Loan participant list is missing the seller, xxxxxx and loan officer names. - Due Diligence Vendor-09/08/2023 |  | Resolved--Received searches for parties listed - Due Diligence Vendor-10/03/2023<br>| LTV is less than guideline maximum - -80% < 90%.<br>Qualifying DTI below maximum allowed - - DTI 23.5% < 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 716 > 660. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 796449 | xxxxxx D A | Closed | xxxxxx | 2023-09-07 16:22 | 2023-10-03 14:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved--Received LE - Due Diligence Vendor-10/03/2023 <br> Open-Per Change of Circumstance dated xxxxxx please provide LE issued within 3 business days of this Change of Circumstance. - Due Diligence Vendor-09/07/2023 |  | Resolved--Received LE - Due Diligence Vendor-10/03/2023<br>| LTV is less than guideline maximum - -80% < 90%.<br>Qualifying DTI below maximum allowed - - DTI 23.5% < 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 716 > 660. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 796449 | xxxxxx D A | Closed | xxxxxx | 2023-09-07 16:23 | 2023-10-03 14:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved--Received disclosure - Due Diligence Vendor-10/03/2023 <br>Open-Missing initial CD and acknowledgement by borrower(s) a minimum 3 days prior to consummation date. - Due Diligence Vendor-09/07/2023 |  | Resolved--Received disclosure - Due Diligence Vendor-10/03/2023<br>| LTV is less than guideline maximum - -80% < 90%.<br>Qualifying DTI below maximum allowed - - DTI 23.5% < 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - - FICO 716 > 660. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 796527 | xxxxxx B A | Closed | xxxxxx | 2023-10-06 16:09 | 2023-10-09 10:49 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Disbursement Date xxxxxx - Deemed non material HOI effective on disbursement date.<br> Client waiver applied to non-material finding<br> - Due Diligence Vendor-10/06/2023 |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Disbursement Date xxxxxx - Deemed non material HOI effective on disbursement date.<br> Client waiver applied to non-material finding<br> - Due Diligence Vendor-10/06/2023 | Qualifying DTI below maximum allowed - DTI 33.14% below max allowed.<br>Months Reserves exceed minimum required - <br>Qualifying FICO score is at least 20 points above minimum for program - |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 796538 | xxxxxx C B A | Closed | xxxxxx | 2023-10-02 16:31 | 2023-10-04 18:32 | Waived | 2 - Non-Material C B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Deemed non material HOI effective on disbursement date.<br> Client waiver applied to non-material finding - Due Diligence Vendor-10/04/2023 |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Deemed non material HOI effective on disbursement date.<br> Client waiver applied to non-material finding - Due Diligence Vendor-10/04/2023 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 736; minimum required 680.<br>Qualifying DTI below maximum allowed - 38.85% DTI; max allowable 50%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 796538 | xxxxxx C B A | Closed | xxxxxx | 2023-10-02 17:01 | 2023-10-04 14:29 | Resolved | 1 - Information B A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved--Received gap report - Due Diligence Vendor-10/04/2023 <br>Open-Borrower 1 Gap Credit Report is Missing Deemed non material due to DTI 40% with allowable 50% - Due Diligence Vendor-10/02/2023 |  | Resolved--Received gap report - Due Diligence Vendor-10/04/2023<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 736; minimum required 680.<br>Qualifying DTI below maximum allowed - 38.85% DTI; max allowable 50%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 796551 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 796616 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 796636 | xxxxxx D A | Closed | xxxxxx | 2023-10-23 16:00 | 2023-11-14 14:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Signed Loan Agreement or Term Sheet | Resolved--Note signed as individual and for entity. - Due Diligence Vendor-11/14/2023 <br>Counter--Received Guaranty Agreement which is not related to Finding. File is missing fully executed Loan Agreement. Finding remains - Due Diligence Vendor-11/13/2023 <br>Open-The Subject Loan is a Business Purpose Loan but the Loan Agreement/Term Sheet Doc is 'Missing'. - Due Diligence Vendor-10/23/2023 |  | Resolved--Note signed as individual and for entity. - Due Diligence Vendor-11/14/2023<br>| Qualifying DTI below maximum allowed - DTI of 26.28 is less than the max. allowed of 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO of 768 is higher than the minimum of 660.<br>Months Reserves exceed minimum required - Verified reserves of 13 months is higher than the minimum required of 6 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 796815 | xxxxxx C A | Closed | xxxxxx | 2023-09-17 11:31 | 2023-09-29 09:57 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Less Than 2 Months Verified | Resolved--Received additional statement - Due Diligence Vendor-09/29/2023 <br> Open-Asset 2 Less Than 2 Months Verified Missing 2 consecutive months stock statements for xxxxxx; period ending xxxxxx provided. - Due Diligence Vendor-09/17/2023 |  | Resolved--Received additional statement - Due Diligence Vendor-09/29/2023<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 727; minimum required 660.<br>LTV is less than guideline maximum - 69.89% LTV; max 80%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 796821 | xxxxxx D B A | Closed | xxxxxx | 2023-09-19 12:38 | 2023-10-12 17:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved--Received gap report - Due Diligence Vendor-10/12/2023 <br> Open-Borrower 1 Gap Credit Report is Missing - Per guideline require xxxxxx credit report in compliance with xxxxxx's LQI to determine if the borrower mayhave taken out new credit prior to closing. - Due Diligence Vendor-09/19/2023 |  | Resolved--Received gap report - Due Diligence Vendor-10/12/2023<br>| Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 701 is at least 20 points above minimum for program 660.<br>Qualifying DTI below maximum allowed - - Qualifying DTI 21% below maximum allowed 49.99% |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 796821 | xxxxxx D B A | Closed | xxxxxx | 2023-09-19 12:05 | 2023-09-19 18:25 | Waived | 2 - Non-Material C B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Subject property in xxxxxx . CD reflects disbursement date xxxxxx. - Client waiver applied to non-material finding. - Due Diligence Vendor-09/19/2023 |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Subject property in xxxxxx . CD reflects disbursement date xxxxxx. - Client waiver applied to non-material finding. - Due Diligence Vendor-09/19/2023 | Qualifying FICO score is at least 20 points above minimum for program - - Qualifying FICO score 701 is at least 20 points above minimum for program 660.<br>Qualifying DTI below maximum allowed - - Qualifying DTI 21% below maximum allowed 49.99% |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 796855 | xxxxxx D B A | Closed | xxxxxx | 2023-09-21 12:08 | 2023-10-03 14:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved--Received gap report - Due Diligence Vendor-10/03/2023 <br> Ready for Review-Document Uploaded. Uploading directly to Clariffi as the cure doc pushed from xxxxxx on 9/27 doesn't appear it made it thru. - Buyer-10/03/2023 <br> Open-Borrower 1 Gap Credit Report is Missing Current DTI is 22.73% - Due Diligence Vendor-09/21/2023 |  | Resolved--Received gap report - Due Diligence Vendor-10/03/2023<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - -2+ time minimum required<br>Qualifying DTI below maximum allowed - 22.73% DTI < 49.99% maximum allowed<br>Qualifying FICO score is at least 20 points above minimum for program - -784 FICO and 660 min |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 796855 | xxxxxx D B A | Closed | xxxxxx | 2023-09-21 12:26 | 2023-09-21 16:29 | Waived | 2 - Non-Material B | Property | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Waived-xxxxxx) Incident Period: xxxxxx, Public Assistance Only. xxxxxx)Incident Period: xxxxxx, Public Assistance Only - Client waiver applied to non-material finding - Due Diligence Vendor-09/21/2023 |  | Waived-xxxxxx) Incident Period: xxxxxx, Public Assistance Only. xxxxxx)Incident Period: xxxxxx, Public Assistance Only - Client waiver applied to non-material finding - Due Diligence Vendor-09/21/2023 | Residual Income =/> 1.5 times $3,500 monthly residual income - -2+ time minimum required<br>Qualifying DTI below maximum allowed - 22.73% DTI < 49.99% maximum allowed<br>Qualifying FICO score is at least 20 points above minimum for program - -784 FICO and 660 min |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 796855 | xxxxxx D B A | Closed | xxxxxx | 2023-09-20 14:33 | 2023-09-20 14:33 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings<br> - Due Diligence Vendor-09/20/2023 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings<br> - Due Diligence Vendor-09/20/2023 | Residual Income =/> 1.5 times $3,500 monthly residual income - -2+ time minimum required<br>Qualifying DTI below maximum allowed - 22.73% DTI < 49.99% maximum allowed<br>Qualifying FICO score is at least 20 points above minimum for program - -784 FICO and 660 min |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 796863 | xxxxxx B A | Closed | xxxxxx | 2023-09-22 12:12 | 2023-09-22 17:03 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Disbursement date is xxxxxx; Client waiver applied to non-material finding - Due Diligence Vendor-09/22/2023 |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Disbursement date is xxxxxx; Client waiver applied to non-material finding - Due Diligence Vendor-09/22/2023 | Months Reserves exceed minimum required - 5 months reserves exceeds minimum required of 4 months.<br>Qualifying FICO score is at least 20 points above minimum for program - 694 Score exceeds minimum of 660. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 796865 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 796891 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 796918 | xxxxxx D B A | Closed | xxxxxx | 2023-10-02 09:14 | 2023-10-20 11:35 | Resolved | 1 - Information D A | Compliance | Missing Doc | ARM Disclosure is Missing | Resolved--Received timely disclosure - Due Diligence Vendor-10/20/2023 <br> Counter--Received ARM disclosure dated xxxxxx. Provide evidence ARM disclosure provided to borrower within 3 days of application date. Finding remains - Due Diligence Vendor-10/16/2023 <br> Open-ARM Disclosure is Missing Missing ARM Disclosure. - Due Diligence Vendor-10/02/2023 |  | Resolved--Received timely disclosure - Due Diligence Vendor-10/20/2023 | LTV is less than guideline maximum - 65% LTV < 90% maximum allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - 743 FICO > 660 minimum required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 796918 | xxxxxx D B A | Closed | xxxxxx | 2023-10-02 15:22 | 2023-10-16 17:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved--Received gap report - Due Diligence Vendor-10/16/2023 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-10/02/2023 |  | Resolved--Received gap report - Due Diligence Vendor-10/16/2023 | LTV is less than guideline maximum - 65% LTV < 90% maximum allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - 743 FICO > 660 minimum required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 796918 | xxxxxx D B A | Closed | xxxxxx | 2023-10-02 09:14 | 2023-10-02 09:14 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client Waiver applied to Non-Material findings. - Due Diligence Vendor-10/02/2023 |  | Waived-Required Affiliated Business Disclosure Missing Client Waiver applied to Non-Material findings. - Due Diligence Vendor-10/02/2023 | LTV is less than guideline maximum - 65% LTV < 90% maximum allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - 743 FICO > 660 minimum required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 796991 | xxxxxx B A | Closed | xxxxxx | 2023-10-15 18:23 | 2023-10-31 17:47 | Resolved | 1 - Information B A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved--Received gap report - Due Diligence Vendor-10/31/2023 <br>Open-Borrower 1 Gap Credit Report is Missing Deemed non material due to DTI 39% with allowable 50% - Due Diligence Vendor-10/15/2023 |  | Resolved--Received gap report - Due Diligence Vendor-10/31/2023 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 746; minimum required 660.<br>Months Reserves exceed minimum required - 15.28 months reserves; 6 months required.<br>Qualifying DTI below maximum allowed - DTI 38.32%; max 55%.<br>LTV is less than guideline maximum - 80% LTV; max 90%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 797166 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 797170 | xxxxxx C B A | Closed | xxxxxx | 2023-10-18 13:15 | 2023-10-31 18:06 | Resolved | 1 - Information C A | Credit | Eligibility | Discrepancy between Condo Questionnaire and Appraisal | Resolved--Received corrected appraisal - Due Diligence Vendor-10/31/2023 <br> Open-Condo questionnaire notes xxxxxx units with xxxxxx owner occupants and xxxxxx Client owners. Appraisal notes xxxxxx units with xxxxxx owner occupants and xxxxxx units rented. - Due Diligence Vendor-10/18/2023 |  | Resolved--Received corrected appraisal - Due Diligence Vendor-10/31/2023 | LTV is less than guideline maximum - 50% LTV is less than 80% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 787 FICO exceeds 660 minimum required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 797170 | xxxxxx C B A | Closed | xxxxxx | 2023-10-18 13:23 | 2023-10-18 17:13 | Waived | 2 - Non-Material B | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Waived-Third Party Fraud Report Partially Provided - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower is present. Client waiver applied to non-material finding - Due Diligence Vendor-10/18/2023 |  | Waived-Third Party Fraud Report Partially Provided - All 3rd parties were not checked with Exclusionary/OFAC Lists, However, Borrower is present. Client waiver applied to non-material finding - Due Diligence Vendor-10/18/2023 | LTV is less than guideline maximum - 50% LTV is less than 80% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 787 FICO exceeds 660 minimum required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 797170 | xxxxxx C B A | Closed | xxxxxx | 2023-10-18 13:00 | 2023-10-18 17:12 | Waived | 2 - Non-Material B | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Waived-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx - xxxxxx disbursement date. - Deemed non material HOI effective on disbursement date.<br> Client waiver applied to non-material finding<br> - Due Diligence Vendor-10/18/2023 |  | Waived-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx - xxxxxx disbursement date. - Deemed non material HOI effective on disbursement date.<br> Client waiver applied to non-material finding<br> - Due Diligence Vendor-10/18/2023 | LTV is less than guideline maximum - 50% LTV is less than 80% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 787 FICO exceeds 660 minimum required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 797170 | xxxxxx C B A | Closed | xxxxxx | 2023-10-15 15:26 | 2023-10-15 15:26 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non material findings. - Due Diligence Vendor-10/15/2023 |  | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non material findings. - Due Diligence Vendor-10/15/2023 | LTV is less than guideline maximum - 50% LTV is less than 80% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 787 FICO exceeds 660 minimum required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 797273 | xxxxxx B A | Closed | xxxxxx | 2023-10-02 09:34 | 2023-10-02 09:34 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-10/02/2023 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-10/02/2023 | Qualifying FICO score is at least 20 points above minimum for program - 796 FICO > 660 Minimum required.<br>LTV is less than guideline maximum - 70% LTV < 80% maximum allowed. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 797321 | xxxxxx B A | Closed | xxxxxx | 2023-10-02 16:27 | 2023-10-02 16:27 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client Waiver applied to non-material findings. - Due Diligence Vendor-10/02/2023 |  | Waived-Required Affiliated Business Disclosure Missing Client Waiver applied to non-material findings. - Due Diligence Vendor-10/02/2023 | Qualifying FICO score is at least 20 points above minimum for program - 772 score exceeds minimum of 660.<br>Months Reserves exceed minimum required - 6 months reserves exceeds 4 months required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 797432 | xxxxxx D B A | Closed | xxxxxx | 2023-10-20 16:21 | 2023-10-25 09:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved--Received title commitment - Due Diligence Vendor-10/25/2023 <br>Open-Title Document is missing - Due Diligence Vendor-10/20/2023 |  | Resolved--Received title commitment - Due Diligence Vendor-10/25/2023 | LTV is less than guideline maximum - 35.29% LTV is less than 80% maximum.<br>Months Reserves exceed minimum required - 48.29 months reserves exceed 6 months required. |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 797432 | xxxxxx D B A | Closed | xxxxxx | 2023-10-20 16:26 | 2023-10-25 09:45 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved--Received complete fully executed purchase agreement - Due Diligence Vendor-10/25/2023 <br>Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. - Missing Purchase contract. File includes copy of Amendment #1 only which discloses seller credit. - Due Diligence Vendor-10/20/2023 |  | Resolved--Received complete fully executed purchase agreement - Due Diligence Vendor-10/25/2023 | LTV is less than guideline maximum - 35.29% LTV is less than 80% maximum.<br>Months Reserves exceed minimum required - 48.29 months reserves exceed 6 months required. |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 797432 | xxxxxx D B A | Closed | xxxxxx | 2023-10-20 16:42 | 2023-10-22 10:15 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived--Missing attestation by CPA that CPA prepared the borrower's most recent tax return. Exception in file by Lender, and approved by Client, waiver in file.<br> - Due Diligence Vendor-10/20/2023 |  | Waived--Missing attestation by CPA that CPA prepared the borrower's most recent tax return. Exception in file by Lender, and approved by Client, waiver in file.<br> - Due Diligence Vendor-10/20/2023 | LTV is less than guideline maximum - 35.29% LTV is less than 80% maximum.<br>Months Reserves exceed minimum required - 48.29 months reserves exceed 6 months required. | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines.<br> Reserves exceed requirement by 10 months or more. | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 797432 | xxxxxx D B A | Closed | xxxxxx | 2023-10-20 16:26 | 2023-10-22 10:15 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program - Rural properties are ineligible. Exception in file by Lender and approved by Client, waiver in file.<br> - Due Diligence Vendor-10/20/2023 |  | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program - Rural properties are ineligible. Exception in file by Lender and approved by Client, waiver in file.<br> - Due Diligence Vendor-10/20/2023 | LTV is less than guideline maximum - 35.29% LTV is less than 80% maximum.<br>Months Reserves exceed minimum required - 48.29 months reserves exceed 6 months required. | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines.<br> Reserves exceed requirement by 10 months or more. | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 797683 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 797798 | xxxxxx C A | Closed | xxxxxx | 2023-10-27 12:34 | 2023-11-09 16:14 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved--Received updated title - Due Diligence Vendor-11/09/2023 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). - Title coverage does not cover the loan amount. - Due Diligence Vendor-10/27/2023 |  | Resolved--Received updated title - Due Diligence Vendor-11/09/2023<br>| Months Reserves exceed minimum required - Borrower has an additional 4 months of reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Borrower's FICO is 103 points higher than the minimum |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 797803 | xxxxxx D B A | Closed | xxxxxx | 2023-10-13 12:45 | 2023-10-20 12:35 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved--Received seller CD - Due Diligence Vendor-10/20/2023 <br> Open-Missing Seller's CD. Statue of limitations - three years; Expiration date: xxxxxx. - Due Diligence Vendor-10/13/2023 |  | Resolved--Received seller CD - Due Diligence Vendor-10/20/2023<br>| LTV is less than guideline maximum - LTV is 20% lower than the maximum<br>Qualifying FICO score is at least 20 points above minimum for program - Borrowwer's FICO is 99 points higher than the minimum |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 797803 | xxxxxx D B A | Closed | xxxxxx | 2023-10-16 14:03 | 2023-10-20 12:34 | Resolved | 1 - Information B A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved--Received gap report - Due Diligence Vendor-10/20/2023 <br>Open-Borrower 1 Gap Credit Report is Missing - Deemed non material due to DTI 24% with allowable 49.99% - Due Diligence Vendor-10/16/2023 |  | Resolved--Received gap report - Due Diligence Vendor-10/20/2023<br>| LTV is less than guideline maximum - LTV is 20% lower than the maximum<br>Qualifying FICO score is at least 20 points above minimum for program - Borrowwer's FICO is 99 points higher than the minimum |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 797803 | xxxxxx D B A | Closed | xxxxxx | 2023-10-16 13:41 | 2023-10-17 09:59 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Deemed non material HOI effective on disbursement date.<br> Client waiver applied to non-material finding<br> - Due Diligence Vendor-10/16/2023 |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Deemed non material HOI effective on disbursement date.<br> Client waiver applied to non-material finding<br> - Due Diligence Vendor-10/16/2023 | LTV is less than guideline maximum - LTV is 20% lower than the maximum<br>Qualifying FICO score is at least 20 points above minimum for program - Borrowwer's FICO is 99 points higher than the minimum |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 797810 | xxxxxx D A | Closed | xxxxxx | 2023-10-13 10:21 | 2023-10-23 14:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved--Received gap report - Due Diligence Vendor-10/23/2023 <br>Open-Borrower 1 Gap Credit Report is Missing Missing gap credit report dated within 10 days of closing. - Due Diligence Vendor-10/13/2023 |  | Resolved--Received gap report - Due Diligence Vendor-10/23/2023<br>| Qualifying DTI below maximum allowed - Current DTI 39.24%, guideline max allowed is 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - Current credit score 791, guideline min allowed 680 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 797937 | xxxxxx B A | Closed | xxxxxx | 2023-10-11 13:25 | 2023-10-11 15:51 | Waived | 2 - Non-Material B | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Waived-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx - Deemed non material HOI effective on disbursement date xxxxxx.<br> Client waiver applied to non-material finding<br> - Due Diligence Vendor-10/11/2023 |  | Waived-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx - Deemed non material HOI effective on disbursement date xxxxxx.<br> Client waiver applied to non-material finding<br> - Due Diligence Vendor-10/11/2023 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 778; minimum 660.<br>LTV is less than guideline maximum - 70% LTV; max 80%.<br>Qualifying DTI below maximum allowed - 39.66% DTI; max 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 797937 | xxxxxx B A | Closed | xxxxxx | 2023-10-10 08:52 | 2023-10-10 09:04 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings<br> - Due Diligence Vendor-10/10/2023 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings<br> - Due Diligence Vendor-10/10/2023<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 778; minimum 660.<br>LTV is less than guideline maximum - 70% LTV; max 80%.<br>Qualifying DTI below maximum allowed - 39.66% DTI; max 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 798154 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 798339 | xxxxxx C B A | Closed | xxxxxx | 2023-10-18 11:17 | 2023-10-25 12:56 | Resolved | 1 - Information C A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved--Received CU with a risk score of 2.1 - Due Diligence Vendor-10/25/2023 <br>Open-Appraisal Review Product is missing at time of Review. An appraisal review product is required on every loan file. - Due Diligence Vendor-10/18/2023 |  | Resolved--Received CU with a risk score of 2.1 - Due Diligence Vendor-10/25/2023<br>| Months Reserves exceed minimum required - Months Reserves exceed minimum required by 6.25 months<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score is 123 points above minimum for program<br>LTV is less than guideline maximum - LTV is 13.69% less than guideline maximum |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 798339 | xxxxxx C B A | Closed | xxxxxx | 2023-10-15 13:52 | 2023-10-15 14:14 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non material findings. - Due Diligence Vendor-10/15/2023 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non material findings. - Due Diligence Vendor-10/15/2023<br>| Months Reserves exceed minimum required - Months Reserves exceed minimum required by 6.25 months<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score is 123 points above minimum for program<br>LTV is less than guideline maximum - LTV is 13.69% less than guideline maximum |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 798357 | xxxxxx C A | Closed | xxxxxx | 2023-11-20 07:49 | 2023-12-01 08:56 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved--Received valid COC - Due Diligence Vendor-12/01/2023 <br> Counter-Received COC dated xxxxxx and CD dated xxxxxx which is is file. The COC states the loan amount changed. However, the loan amount changed on xxxxxx. Loan amount points of 0.55% were added to CD xxxxxx and then increased to 0.85% on CD xxxxxx. Finding remains. - Due Diligence Vendor-11/29/2023 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $4,972.50.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Loan Amount Points increased from $0.00 on initial CD xxxxxx to $4,972.50 on Final CD dated xxxxxx. Please provide a valid change of circumstance for increase or evidence of refund in the amount $4,972.50 no later than 60 calendar days after consummation date of xxxxxx. Statute of Limitations - Three years, expiration date - xxxxxx. - Due Diligence Vendor-11/20/2023 |  | Resolved--Received valid COC - Due Diligence Vendor-12/01/2023<br>| Qualifying DTI below maximum allowed - Borrower's DTI 30% is more than 10% below the maximum<br>LTV is less than guideline maximum - LTV 65% is more than 10% below the max |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 798404 | xxxxxx D B A | Closed | xxxxxx | 2023-11-12 00:18 | 2023-11-15 15:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved--Receipt of Oct payment provided. - Due Diligence Vendor-11/15/2023 <br> Counter--Documentation received however, missing October 2nd payment for xxxxxx lease only 09/07 payment verified. Finding remains - Due Diligence Vendor-11/14/2023 <br> Open-Per guidelines in order to use rental income 2 months proof of income receipt is required. 1 of 2 months proof of rental income receipt provided for all rental properties, 2nd month is required. If unable to provide additional audit review will be required. - Due Diligence Vendor-11/12/2023 |  | Resolved--Receipt of Oct payment provided. - Due Diligence Vendor-11/15/2023<br>| Months Reserves exceed minimum required - 17 months reserves exceeds 6 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 760 score exceeds 660 minimum. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 798404 | xxxxxx D B A | Closed | xxxxxx | 2023-11-12 01:16 | 2023-11-13 14:49 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved--Figures updated for HOA fee's for xxxxxx REO properties borrower owns. Documentation supports a lesser HOA fee than the incorrect amount on final 1003. DTI 43.11%. - Due Diligence Vendor-11/13/2023 <br> Open-Audited DTI of 52.61% exceeds Guideline DTI of 50% 52.61% DTI when 1007 market rent used: Debt $915 + Total Rental Loss NOO $2,104.52 + Subject Rental loss $1,634.95 + Primary Residence $5,496.46. This exceeds guideline max of 50%. - Due Diligence Vendor-11/12/2023 |  | Resolved--Figures updated for HOA fee's for xxxxxx REO properties borrower owns. Documentation supports a lesser HOA fee than the incorrect amount on final 1003. DTI 43.11%. - Due Diligence Vendor-11/13/2023 | Months Reserves exceed minimum required - 17 months reserves exceeds 6 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 760 score exceeds 660 minimum. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 798404 | xxxxxx D B A | Closed | xxxxxx | 2023-11-12 01:16 | 2023-11-13 09:29 | Waived | 2 - Non-Material B | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Waived-Missing Approval/Underwriting Summary Client waiver applied to non-material finding - Due Diligence Vendor-11/12/2023 |  | Waived-Missing Approval/Underwriting Summary Client waiver applied to non-material finding - Due Diligence Vendor-11/12/2023<br>| Months Reserves exceed minimum required - 17 months reserves exceeds 6 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 760 score exceeds 660 minimum. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 798481 | xxxxxx B A | Closed | xxxxxx | 2023-11-03 11:17 | 2023-11-06 07:38 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved--Received approval - Due Diligence Vendor-11/06/2023 <br>Open-Missing Approval/Underwriting Summary Primary home purchase. - Due Diligence Vendor-11/03/2023 |  | Resolved--Received approval - Due Diligence Vendor-11/06/2023<br>| LTV is less than guideline maximum - 80% LTV < 90% maximum allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - 776 FICO > 660 minimum required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 798481 | xxxxxx B A | Closed | xxxxxx | 2023-10-30 15:23 | 2023-10-30 15:23 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non material findings. - Due Diligence Vendor-10/30/2023 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non material findings. - Due Diligence Vendor-10/30/2023<br>| LTV is less than guideline maximum - 80% LTV < 90% maximum allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - 776 FICO > 660 minimum required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 798549 | xxxxxx B A | Closed | xxxxxx | 2023-10-23 16:29 | 2023-10-23 17:34 | Waived | 2 - Non-Material B | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Waived-The Calculated DSCR of '0.75' is less than the minimum DSCR per lender guidelines of '1'. First Time Client and the DSCR is < 1. Exception in file by Lender, and approved by Client - Due Diligence Vendor-10/23/2023 |  | Waived-The Calculated DSCR of '0.75' is less than the minimum DSCR per lender guidelines of '1'. First Time Client and the DSCR is < 1. Exception in file by Lender, and approved by Client - Due Diligence Vendor-10/23/2023<br>| Qualifying FICO score is at least 20 points above minimum for program - 694 FICO > 660 minimum required.<br>On time mortgage history exceeds guideline requirement - Documented 45 months History 0x30 | 45 months of History 0x30 | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 798549 | xxxxxx B A | Closed | xxxxxx | 2023-10-23 16:49 | 2023-10-23 17:34 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Lender exception for Rural Property, subject sits on xxxxxx acres and do not permit greater than 2 acres. Exception in file by Lender, and approved by Client - Due Diligence Vendor-10/23/2023 |  | Waived-Lender exception for Rural Property, subject sits on xxxxxx acres and do not permit greater than 2 acres. Exception in file by Lender, and approved by Client - Due Diligence Vendor-10/23/2023 | Qualifying FICO score is at least 20 points above minimum for program - 694 FICO > 660 minimum required.<br>On time mortgage history exceeds guideline requirement - Documented 45 months History 0x30 | Documented 45 months History 0x30 | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 798609 | xxxxxx B A | Closed | xxxxxx | 2023-10-17 13:31 | 2023-10-17 13:45 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied, non-material finding. - Due Diligence Vendor-10/17/2023 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied, non-material finding. - Due Diligence Vendor-10/17/2023<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score is 154 points above minimum for program<br>Qualifying DTI below maximum allowed - Qualifying DTI below maximum allowed by 7% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 798720 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 798892 | xxxxxx B A | Closed | xxxxxx | 2023-11-09 11:21 | 2023-11-09 17:28 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-11/09/2023 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-11/09/2023<br>| Qualifying FICO score is at least 20 points above minimum for program - Guideline min FICO allowed is 720, borrower FICO is 797<br>Months Reserves exceed minimum required - Guidelines require 6 months reserves, borrower having 40 months post close |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 798970 | xxxxxx D B A | Closed | xxxxxx | 2023-11-17 12:58 | 2023-12-13 10:47 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-CLIENT RESPONSE: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Reserves exceed requirement by 2 months or more / Compensating Factor 3 - Credit Score 10 points > minimum required - Due Diligence Vendor-12/13/2023 <br> Open-Audited DTI of 51.41% exceeds Guideline DTI of 50% - DTI > 50%; gap report reflects debts not paid off at closing now have current balances and monthly payments. - Due Diligence Vendor-11/17/2023 |  | Waived-CLIENT RESPONSE: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Reserves exceed requirement by 2 months or more / Compensating Factor 3 - Credit Score 10 points > minimum required - Due Diligence Vendor-12/13/2023 | Months Reserves exceed minimum required - 10.3 months reserves; 3 months required.<br>LTV is less than guideline maximum - 65% LTV; max 70%<br>Qualifying FICO score is at least 20 points above minimum for program - 637 qualifying score; minimum 600. | Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines <br> Compensating Factor 2 - Reserves exceed requirement by 2 months or more <br> Compensating Factor 3 - Credit Score 10 points > minimum required | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 798970 | xxxxxx D B A | Closed | xxxxxx | 2023-11-17 12:54 | 2023-12-01 14:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved--Upon further review, no additional documentation is needed or required. File contains full fraud report, alert summary showing all high alerts cleared and clear OFAC for Client and underwriter. - Due Diligence Vendor-12/01/2023 <br>Counter--Received clear OFAC for Client and underwriter. Provide full fraud report showing any/all high alerts have been cleared. Finding remains - Due Diligence Vendor-12/01/2023 <br>Counter-Fraud report with all participants provided. - AUDIT RESPONSE: Client possible match found on OFAC was not cleared and Underwriter on Client-Supplied Watch list was not cleared. Finding remains; please provide full fraud report with all participants so alerts can be reviewed or proof that alerts have been cleared. - Due Diligence Vendor-11/28/2023 <br>Open-Third Party Fraud Report Partially Provided - All interested parties not included in OFAC and Exclusionary List searches; Borrower, Broker and LO only included in report. - Due Diligence Vendor-11/17/2023 |  | Resolved--Upon further review, no additional documentation is needed or required. File contains full fraud report, alert summary showing all high alerts cleared and clear OFAC for Client and underwriter. - Due Diligence Vendor-12/01/2023<br>| Months Reserves exceed minimum required - 10.3 months reserves; 3 months required.<br>LTV is less than guideline maximum - 65% LTV; max 70%<br>Qualifying FICO score is at least 20 points above minimum for program - 637 qualifying score; minimum 600. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 799087 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 799093 | xxxxxx D B A | Closed | xxxxxx | 2023-11-06 13:22 | 2023-11-29 11:25 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Foreign National Alternative Credit Documentation is Missing | Waived-Received exception approval for Foreign National alternative tradelines. Finding is deemed non material. Client waiver applied to non material findings. - Due Diligence Vendor-11/29/2023 <br> Counter--Client response: Credit Docs not required as no longer indicated in the guidelines. <br> - AUDIT RESPONSE: Based on lock date, subject loan underwritten to xxxxxx guidelines. --Missing alternative tradeline for Foreign national. Received one phone bill for 1 month which does not suffice. Requires two of the following options: a credit reference letter from a verified financial institution and 12 months of credit card statements reflecting a timely payment history. Finding remains - Due Diligence Vendor-11/16/2023 <br> Open-The Alternative Credit Documentation for Foreign National is Missing. Missing alternative tradeline for Foreign national. Received one phone bill for 1 month which does not suffice. Requires two of the following options: a credit reference letter from a verified financial institution and 12 months of credit card statements reflecting a timely payment history. - Due Diligence Vendor-11/06/2023 |  | Waived-Received exception approval for Foreign National alternative tradelines. Finding is deemed non material. Client waiver applied to non material findings. - Due Diligence Vendor-11/29/2023<br>| LTV is less than guideline maximum - LTV is 10% Below the maximum<br>Months Reserves exceed minimum required - Months Reserves 14 exceed minimum required 12. | 65% LTV < 75% maximum allowed. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 799115 | xxxxxx C B A | Closed | xxxxxx | 2023-11-13 15:48 | 2023-11-29 11:18 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received valid COC for $95 verification fee addition to CD xxxxxx. Lender Credit of $55.00 for the difference is on final CD. Finding resolved. - Due Diligence Vendor-09/19/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $150.00.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). -----Verification fee increased from $0.00 on the initial LE: xxxxxx to $150.00 on the final CD: xxxxxx. There is a lender credit of $55.00 on final CD however this is not sufficient. Please provide a valid change of circumstance for the increase or evidence of refund in the amount $95.00 no later than 60 calendar days after consummation date of xxxxxx. Statute of Limitations - 3 years Expiration date is xxxxxx. - Due Diligence Vendor-11/13/2023 |  | Resolved-Received valid COC for $95 verification fee addition to CD xxxxxx. Lender Credit of $55.00 for the difference is on final CD. Finding resolved. - Due Diligence Vendor-09/19/2025 | Qualifying FICO score is at least 20 points above minimum for program - 693 FICO > 660 minimum required.<br>LTV is less than guideline maximum - 65% LTV < 80% maximum allowed. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 799115 | xxxxxx C B A | Closed | xxxxxx | 2023-11-16 14:52 | 2023-11-29 10:53 | Resolved | 1 - Information B A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - UDM provided. - Due Diligence Vendor-11/29/2023 <br>Open-Borrower 1 Gap Credit Report is Missing Current DTI is 34.81%. - Due Diligence Vendor-11/16/2023 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - UDM provided. - Due Diligence Vendor-11/29/2023<br>| Qualifying FICO score is at least 20 points above minimum for program - 693 FICO > 660 minimum required.<br>LTV is less than guideline maximum - 65% LTV < 80% maximum allowed. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 799115 | xxxxxx C B A | Closed | xxxxxx | 2023-11-16 13:24 | 2023-11-17 17:05 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income/Employment General | Waived-Number of NSFs exceed guidelines.<br> Client waiver in file deemed non-material. - Due Diligence Vendor-11/16/2023 |  | Waived-Number of NSFs exceed guidelines.<br> Client waiver in file deemed non-material. - Due Diligence Vendor-11/16/2023<br>| Qualifying FICO score is at least 20 points above minimum for program - 693 FICO > 660 minimum required.<br>LTV is less than guideline maximum - 65% LTV < 80% maximum allowed. | Subject property home ownership > 10 years<br> Self-employed for > 10 years | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 799115 | xxxxxx C B A | Closed | xxxxxx | 2023-11-14 09:26 | 2023-11-14 09:26 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings - Due Diligence Vendor-11/14/2023 |  | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings - Due Diligence Vendor-11/14/2023<br>| Qualifying FICO score is at least 20 points above minimum for program - 693 FICO > 660 minimum required.<br>LTV is less than guideline maximum - 65% LTV < 80% maximum allowed. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 799410 | xxxxxx B A | Closed | xxxxxx | 2023-10-30 12:15 | 2023-10-30 16:28 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 5.97 month(s) are less than Guideline Required Reserves of 6 month(s) Deemed non-material due to Borrower is short less than 1 month reserves. Client waiver applied to non-material finding - Due Diligence Vendor-10/30/2023 |  | Waived-Audited Reserves of 5.97 month(s) are less than Guideline Required Reserves of 6 month(s) Deemed non-material due to Borrower is short less than 1 month reserves. Client waiver applied to non-material finding - Due Diligence Vendor-10/30/2023<br>| Qualifying DTI below maximum allowed - Borrower's DTI is 8% Less than the maximum<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income 5,653.27 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 799429 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 799432 | xxxxxx C B A | Closed | xxxxxx | 2023-11-07 12:55 | 2023-11-13 11:44 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved--Received google search - Due Diligence Vendor-11/13/2023 <br>Open-Borrower's business phone number must be verified via Google Search, 411.com or internet. Verification missing.<br> - Due Diligence Vendor-11/07/2023 |  | Resolved--Received google search - Due Diligence Vendor-11/13/2023<br>| Qualifying DTI below maximum allowed - Qualifying DTI 11% below maximum allowed 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score748 is at least 20 points above minimum for program 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 799432 | xxxxxx C B A | Closed | xxxxxx | 2023-11-07 12:59 | 2023-11-13 11:44 | Resolved | 1 - Information B A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved--Received gap report - Due Diligence Vendor-11/13/2023 <br> Open-Borrower 1 Gap Credit Report is Missing Guideline require xxxxxx xxxxxx to meet guide requirement, missing. - Due Diligence Vendor-11/07/2023 |  | Resolved--Received gap report - Due Diligence Vendor-11/13/2023<br>| Qualifying DTI below maximum allowed - Qualifying DTI 11% below maximum allowed 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score748 is at least 20 points above minimum for program 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 799432 | xxxxxx C B A | Closed | xxxxxx | 2023-11-06 07:17 | 2023-11-06 07:26 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-11/06/2023 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-11/06/2023<br>| Qualifying DTI below maximum allowed - Qualifying DTI 11% below maximum allowed 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score748 is at least 20 points above minimum for program 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 799449 | xxxxxx D B A | Closed | xxxxxx | 2023-11-01 17:50 | 2023-11-08 14:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved--Received gap report - Due Diligence Vendor-11/08/2023 <br>Open-Borrower 1 Gap Credit Report is Missing - Missing Gap/Credit refresh report within 10 days of Note. - Due Diligence Vendor-11/01/2023 |  | Resolved--Received gap report - Due Diligence Vendor-11/08/2023<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 815 and minimum score allowed is 660.<br>Months Reserves exceed minimum required - Borrower has 6.53 months of reserves and only needs 4 months to qualify. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 799449 | xxxxxx D B A | Closed | xxxxxx | 2023-11-01 17:29 | 2023-11-02 12:26 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Effective prior to the disbursement date of xxxxxx per Final CD. Client waiver applied to non-material finding. - Due Diligence Vendor-11/01/2023 |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Effective prior to the disbursement date of xxxxxx per Final CD. Client waiver applied to non-material finding. - Due Diligence Vendor-11/01/2023 | Qualifying FICO score is at least 20 points above minimum for program - Score is 815 and minimum score allowed is 660.<br>Months Reserves exceed minimum required - Borrower has 6.53 months of reserves and only needs 4 months to qualify. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 799449 | xxxxxx D B A | Closed | xxxxxx | 2023-11-02 12:24 | 2023-11-02 12:24 | Waived | 2 - Non-Material B | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Waived-Third Party Fraud Report Partially Provided - Lender not included in OFAC and Exclusionary List searches; Borrower and Seller are present with all other parties. Client waiver applied to non-material finding. - Due Diligence Vendor-11/02/2023 |  | Waived-Third Party Fraud Report Partially Provided - Lender not included in OFAC and Exclusionary List searches; Borrower and Seller are present with all other parties. Client waiver applied to non-material finding. - Due Diligence Vendor-11/02/2023<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 815 and minimum score allowed is 660.<br>Months Reserves exceed minimum required - Borrower has 6.53 months of reserves and only needs 4 months to qualify. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 799450 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 799462 | xxxxxx D A | Closed | xxxxxx | 2023-11-20 13:10 | 2023-12-27 07:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved--Received gap report - Due Diligence Vendor-12/27/2023 <br>Counter--Document provided do not appear to be actual report. Please provide complete gap report. Finding remains - Due Diligence Vendor-12/12/2023 <br>Open-Borrower 1 Gap Credit Report is Missing - Missing Gap/Credit refresh, within 10 days of Note, for both Borrowers. - Due Diligence Vendor-11/20/2023 |  | Resolved--Received gap report - Due Diligence Vendor-12/27/2023<br>| Qualifying FICO score is at least 20 points above minimum for program - 793 FICO exceeds 660 minimum required.<br>LTV is less than guideline maximum - 70% LTV is less than 80% maximum. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 799462 | xxxxxx D A | Closed | xxxxxx | 2023-11-20 13:10 | 2023-12-21 11:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-- Evidence property xxxxxx does is not in a HOA. Updated 1003 and 1008 provided. - Due Diligence Vendor-12/21/2023 <br> Counter-Client Response-For properties xxxxxx we provided recent mortgage statements showing the payment includes taxes and insurance. - AUDIT RESPONSE: Mortgage Statements received to confirm Taxes and Insurance are included in Escrow. Please provide the HOA verification. Finding remains. - Due Diligence Vendor-12/20/2023 <br> Counter--Rec'd mortgage stmt for property xxxxxx; still missing verification of HOA dues on this property $901 monthly reflected on 1003. - Due Diligence Vendor-12/13/2023 <br> Counter--Documentation provided is not for property referenced. Please refer to final 1003 section xxxxxx. Provide HOA verification for this property. Finding remains - Due Diligence Vendor-12/12/2023 <br> Counter-Mortgage statements provided with taxes and insurance included in escrow, however we are missing HOA verification for REO xxxxxx. Finding remains. - Due Diligence Vendor-12/05/2023 <br> Open-1. Missing verification that credit report payment includes T&I or evidence of T&I for REO xxxxxx. Audit used the payments disclosed on 1003 for both properties. - Due Diligence Vendor-11/20/2023 |  | Resolved-- Evidence property xxxxxx does is not in a HOA. Updated 1003 and 1008 provided. - Due Diligence Vendor-12/21/2023 | Qualifying FICO score is at least 20 points above minimum for program - 793 FICO exceeds 660 minimum required.<br>LTV is less than guideline maximum - 70% LTV is less than 80% maximum. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 799462 | xxxxxx D A | Closed | xxxxxx | 2023-11-20 13:05 | 2023-12-21 11:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved--Received CPA verifying borrower's own 100% of business - Due Diligence Vendor-12/08/2023 <br>Counter-Business Search provided verifying more than two years of business existence, however we are missing verification of ownership percentage for each borrower, according the business search the co-borrower is the sole owner. Finding remains - Due Diligence Vendor-12/05/2023 <br>Open-Borrower 1 CPA Letter Missing For both borrowers, missing CPA letter, or business license or other evidence of business activity documenting business has been in existence for a minimum of two years and confirming ownership percentage for each borrower. - Due Diligence Vendor-11/20/2023 |  | Resolved--Received CPA verifying borrower's own 100% of business - Due Diligence Vendor-12/08/2023<br>| Qualifying FICO score is at least 20 points above minimum for program - 793 FICO exceeds 660 minimum required.<br>LTV is less than guideline maximum - 70% LTV is less than 80% maximum. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 799462 | xxxxxx D A | Closed | xxxxxx | 2023-11-20 13:05 | 2023-12-21 11:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-12/08/2023 <br> Open-Borrower 1 Business Bank Statements Missing Missing 12 months business bank statements for both borrowers; file contains only a 12+ month transaction history printout for xxxxxx. No verification of business associated and guidelines require 12 monthly statements. - Due Diligence Vendor-11/20/2023 |  | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-12/08/2023 | Qualifying FICO score is at least 20 points above minimum for program - 793 FICO exceeds 660 minimum required.<br>LTV is less than guideline maximum - 70% LTV is less than 80% maximum. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 799462 | xxxxxx D A | Closed | xxxxxx | 2023-11-20 13:15 | 2023-12-11 10:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-UW Cert provided attesting all red flags have been addressed. - Due Diligence Vendor-12/11/2023 <br>Counter--We continue to receive the same fraud report without the high alerts being Cleared with commentary. Provide updated fraud report with all high alerts cleared. Finding remains - Due Diligence Vendor-12/08/2023 <br>Counter--Received fraud report however, all high alerts must be addressed and cleared. (1) Possible derogatory activity - possible tax lien or judgement(s). Finding remains - Due Diligence Vendor-12/06/2023 <br>Counter--Client response: Fraud report provided however the Red Flags were not addressed.<br> - AUDIT RESPONSE: Agreed. Provide full fraud report with all high alerts cleared. Finding remains - Due Diligence Vendor-12/01/2023 <br>Counter-Fraud report provided, however the Red Flags were not addressed. Finding remains. - Due Diligence Vendor-11/30/2023 <br>Open-Missing Third Party Fraud Report - Missing Fraud report for both Borrower; all high alerts to be cleared and all parties to transaction to be included in OFAC and Exclusionary List searches. - Due Diligence Vendor-11/20/2023 |  | Resolved-UW Cert provided attesting all red flags have been addressed. - Due Diligence Vendor-12/11/2023 | Qualifying FICO score is at least 20 points above minimum for program - 793 FICO exceeds 660 minimum required.<br>LTV is less than guideline maximum - 70% LTV is less than 80% maximum. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 799462 | xxxxxx D A | Closed | xxxxxx | 2023-11-20 11:04 | 2023-11-30 10:59 | Resolved | 1 - Information C A | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Resolved-Trust/POA Meets Guideline Requirements - Due Diligence Vendor-11/30/2023 <br>Open-Trust/POA Does Not Meet Guideline Requirements Missing trust cert. - Due Diligence Vendor-11/20/2023 |  | Resolved-Trust/POA Meets Guideline Requirements - Due Diligence Vendor-11/30/2023 | Qualifying FICO score is at least 20 points above minimum for program - 793 FICO exceeds 660 minimum required.<br>LTV is less than guideline maximum - 70% LTV is less than 80% maximum. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 799567 | xxxxxx D A | Closed | xxxxxx | 2023-11-06 11:20 | 2023-11-14 12:49 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved--Received seller LLC docs and verified borrower has no affiliation - Due Diligence Vendor-11/14/2023 <br> Open-Property Title Issue Provide the LLC documents for the Selling LLC in order to verify there is no relationship between buyer and seller. No relevant results found on xxxxxx. - Due Diligence Vendor-11/06/2023 |  | Resolved--Received seller LLC docs and verified borrower has no affiliation - Due Diligence Vendor-11/14/2023 | Qualifying FICO score is at least 20 points above minimum for program - 770 FICO exceeds 660 minimum required.<br>Months Reserves exceed minimum required - 483.92 months reserves exceed 6 months required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 799567 | xxxxxx D A | Closed | xxxxxx | 2023-11-06 09:57 | 2023-11-14 12:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved--Received complete fraud report - Due Diligence Vendor-11/14/2023 <br>Open-Third Party Fraud Report Partially Provided Missing a full copy of the fraud report. Partial copy excluding REO section provided. - Due Diligence Vendor-11/06/2023 |  | Resolved--Received complete fraud report - Due Diligence Vendor-11/14/2023 | Qualifying FICO score is at least 20 points above minimum for program - 770 FICO exceeds 660 minimum required.<br>Months Reserves exceed minimum required - 483.92 months reserves exceed 6 months required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 799567 | xxxxxx D A | Closed | xxxxxx | 2023-11-06 12:25 | 2023-11-14 12:29 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved--Received supporting documentation - Due Diligence Vendor-11/14/2023 <br> Open-Housing History Does Not Meet Guideline Requirements Missing 09/01 payment for properties xxxxxx. Guidelines allow 1x30x12.<br> - Due Diligence Vendor-11/06/2023 |  | Resolved--Received supporting documentation - Due Diligence Vendor-11/14/2023 | Qualifying FICO score is at least 20 points above minimum for program - 770 FICO exceeds 660 minimum required.<br>Months Reserves exceed minimum required - 483.92 months reserves exceed 6 months required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 799567 | xxxxxx D A | Closed | xxxxxx | 2023-11-06 12:27 | 2023-11-09 17:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved--Mortgage statement provided showing property in question 1st lien payment includes escrows. - Due Diligence Vendor-11/09/2023 <br> Counter--Received statement to verify P&I payment, please provide evidence of taxes and insurance monthly payment. Finding remains - Due Diligence Vendor-11/09/2023 <br> Open-Missing evidence of PITI payment for primary residence (xxxxxx) or evidence credit report payment includes T&I. - Due Diligence Vendor-11/06/2023 |  | Resolved--Mortgage statement provided showing property in question 1st lien payment includes escrows. - Due Diligence Vendor-11/09/2023 | Qualifying FICO score is at least 20 points above minimum for program - 770 FICO exceeds 660 minimum required.<br>Months Reserves exceed minimum required - 483.92 months reserves exceed 6 months required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 799567 | xxxxxx D A | Closed | xxxxxx | 2023-11-06 13:35 | 2023-11-09 13:30 | Resolved | 1 - Information C A | Credit | Debt | Missing proof of liability not disclosed on credit report | Resolved--Client response: In reference for the omitted libility for $584.69 xxxxxx. We omitted the libility it is for the HELOC on xxxxxx and it is already accounted for the in the Net Rental income calc of -$4756.99.<br> - AUDIT RESPONSE: Debt is accounted for and added to property. - Due Diligence Vendor-11/09/2023 <br> Open-Missing evidence that xxxxxx LOC paid in full or paid by 3rd party to support exclusion of $584.69 monthly payment. - Due Diligence Vendor-11/06/2023 |  | Resolved--Client response: In reference for the omitted libility for $584.69 xxxxxx. We omitted the libility it is for the HELOC on xxxxxx and it is already accounted for the in the Net Rental income calc of -$4756.99.<br> - AUDIT RESPONSE: Debt is accounted for and added to property. - Due Diligence Vendor-11/09/2023 | Qualifying FICO score is at least 20 points above minimum for program - 770 FICO exceeds 660 minimum required.<br>Months Reserves exceed minimum required - 483.92 months reserves exceed 6 months required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 799616 | xxxxxx D A | Closed | xxxxxx | 2023-11-06 11:15 | 2023-11-28 15:22 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved--History provided for xxxxxx property. - Due Diligence Vendor-11/28/2023 <br> Counter--Provide 12 month pay history for property listed under xxxxxx on REO section of 1003. Finding remains - Due Diligence Vendor-11/16/2023 <br> Counter--Received pay history for property listed under xxxxxx on REO. Provide 12 month pay history for property listed under xxxxxx on REO section of 1003. Finding remains - Due Diligence Vendor-11/13/2023 <br> Open-Housing History Does Not Meet Guideline Requirements Missing a full 12 month payment history for properties on xxxxxx and xxxxxx of the loan application. 1x30x12 allowed per guides. - Due Diligence Vendor-11/06/2023 |  | Resolved--History provided for xxxxxx property. - Due Diligence Vendor-11/28/2023 | Qualifying FICO score is at least 20 points above minimum for program - Score is 726 and minimum score is 660.<br>Months Reserves exceed minimum required - Borrower has 356.6 months of reserves and only needs 6 months to qualify. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 799616 | xxxxxx D A | Closed | xxxxxx | 2023-11-05 09:47 | 2023-11-20 11:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved--Received information for listed properties - Due Diligence Vendor-11/20/2023 <br> Counter--Property xxxxxx missing evidence of taxes and insurance included in payment if not provide evidence of monthly taxes and insurance. Property xxxxxx missing evidence of taxes and insurance included in payment if not provide evidence of monthly taxes and insurance. All others received. Finding remains - Due Diligence Vendor-11/16/2023 <br> Counter--Received evidence of PITIA for REO property xxxxxx. Provide complete PITIA for REO xxxxxx and xxxxxx. Finding remains - Due Diligence Vendor-11/13/2023 <br> Open-Missing the following for the properties, listed on 1003:<br> Line xxxxxx- Missing evidence reflecting that taxes & insurance are included in payment.<br> Line xxxxxx- Missing evidence of full payment PITI. <br> Line xxxxxx-Missing evidence of full payment PITI.<br> Line xxxxxx- Missing evidence taxes & insurance are included in payment. <br> Line xxxxxx-Missing evidence taxes & insurance are included in payment. <br>- Due Diligence Vendor-11/05/2023 |  | Resolved--Received information for listed properties - Due Diligence Vendor-11/20/2023 | Qualifying FICO score is at least 20 points above minimum for program - Score is 726 and minimum score is 660.<br>Months Reserves exceed minimum required - Borrower has 356.6 months of reserves and only needs 6 months to qualify. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 799831 | xxxxxx C A | Closed | xxxxxx | 2023-11-13 10:24 | 2023-11-28 11:29 | Resolved | 1 - Information C A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Second Full Appraisal Provided. - Due Diligence Vendor-11/28/2023 <br> Counter-- Appraisal PDF(s) was not uploaded. Please resubmit a legible copy. Finding remains - Due Diligence Vendor-11/21/2023 <br> Counter--Received appraisal PDF(s) is cut off at the bottom of each page, unable to review, please resubmit. Finding remains - Due Diligence Vendor-11/20/2023 <br> Counter--Received CU and LCA which does not resolve issue. Missing a 2nd full appraisal to support value due to loan amount >$2M. Finding remains - Due Diligence Vendor-11/16/2023 <br> Open-Missing a 2nd full appraisal to support value due to loan amount >$2M. - Due Diligence Vendor-11/13/2023 |  | Resolved-Second Full Appraisal Provided. - Due Diligence Vendor-11/28/2023 | Qualifying FICO score is at least 20 points above minimum for program - Borrower's FICO is 98 points higher than the minimum<br>Months Reserves exceed minimum required - Borrower has an additional 8 months reserves |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 799849 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 802994 | xxxxxx D A C | Closed | xxxxxx | 2024-01-16 18:36 | 2025-09-17 16:20 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-$79K gift was entered as $72K. Correction of amount cured the reserve exception. - Due Diligence Vendor-01/24/2024 <br> Open-Audited Reserves of 4.29 month(s) are less than Guideline Required Reserves of 6 month(s) - Provide addition Assets to cover reserve requirements. Audited Reserves of 4.29 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-01/16/2024 |  | Resolved-$79K gift was entered as $72K. Correction of amount cured the reserve exception. - Due Diligence Vendor-01/24/2024 | Qualifying FICO score is at least 20 points above minimum for program - 713 qualifying FICO score is 53 points above minimum of 660 for program.<br>Qualifying DTI below maximum allowed - 28.82% DTI is below 43% max. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 802994 | xxxxxx D A C | Closed | xxxxxx | 2024-01-16 17:24 | 2024-01-30 15:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-01/30/2024 <br> Ready for Review-Document Uploaded. See attached CPA letter. Also uploaded from xxxxxx again. - Buyer-01/30/2024 <br> Counter-Please provide a copy of the tax preparer letter as it was not located in the file. - Due Diligence Vendor-01/29/2024 <br> Counter-Tax preparer verification provided. Please provide a tax preparer letter attesting borrower's most recent tax return of financial statements and borrower's ownership percentage. - Due Diligence Vendor-01/25/2024 <br> Open-Borrower 1 CPA Letter Missing Missing CPA/EA/CTEC letter verifying they have prepared the borrower's most recent tax return or financial statements and borrower's ownership percentage. Also need verification CPA/EA/CTEC is current and active. Letter and verification in file is for PTIN. - Due Diligence Vendor-01/16/2024 |  | Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-01/30/2024 | Qualifying FICO score is at least 20 points above minimum for program - 713 qualifying FICO score is 53 points above minimum of 660 for program.<br>Qualifying DTI below maximum allowed - 28.82% DTI is below 43% max. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 802994 | xxxxxx D A C | Closed | xxxxxx | 2024-01-17 22:31 | 2024-01-30 15:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-Borrower 1 YTD Profit & Loss Provided - Due Diligence Vendor-01/30/2024 <br> Open-Borrower 1 YTD Profit & Loss Missing Missing 12-Month CPA, EA, or CTEC prepared P&L Statement, P&L in file was signed by PTIN. - Due Diligence Vendor-01/18/2024 |  | Resolved-Borrower 1 YTD Profit & Loss Provided - Due Diligence Vendor-01/30/2024 | Qualifying FICO score is at least 20 points above minimum for program - 713 qualifying FICO score is 53 points above minimum of 660 for program.<br> Qualifying DTI below maximum allowed - 28.82% DTI is below 43% max. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 802994 | xxxxxx D A C | Closed | xxxxxx | 2024-01-17 22:36 | 2024-01-30 15:23 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-Upon further review employment verified and meet guideline. - Due Diligence Vendor-09/22/2025 <br> Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months Missing required documetion of 2 years employment history. Only verification of employment in file is unacceptable PTIN signed 12 month P&L statement. - Due Diligence Vendor-01/18/2024 |  | Resolved-Upon further review employment verified and meet guideline. - Due Diligence Vendor-09/22/2025 | Qualifying FICO score is at least 20 points above minimum for program - 713 qualifying FICO score is 53 points above minimum of 660 for program.<br>Qualifying DTI below maximum allowed - 28.82% DTI is below 43% max. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 802994 | xxxxxx D A C | Closed | xxxxxx | 2024-01-17 22:08 | 2024-01-25 17:36 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Desk review provided supporting the appraised value. - Due Diligence Vendor-01/25/2024 <br> Open--LCA and CU score above 2.5. Missing Desk Review. - Due Diligence Vendor-01/18/2024 |  | Resolved-Desk review provided supporting the appraised value. - Due Diligence Vendor-01/25/2024 | Qualifying FICO score is at least 20 points above minimum for program - 713 qualifying FICO score is 53 points above minimum of 660 for program.<br> Qualifying DTI below maximum allowed - 28.82% DTI is below 43% max. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 802994 | xxxxxx D A C | Closed | xxxxxx | 2024-01-15 09:13 | 2024-01-17 22:54 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)), total tolerance violation is $32.58.----- Final CD lender credit for increase in closing costs above legal limit is $32.58 which cured said tolerance. - Due Diligence Vendor-01/18/2024 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)), total tolerance violation is $32.58.----- Final CD lender credit for increase in closing costs above legal limit is $32.58 which cured said tolerance. - Due Diligence Vendor-01/15/2024 |  | Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)), total tolerance violation is $32.58.----- Final CD lender credit for increase in closing costs above legal limit is $32.58 which cured said tolerance. - Due Diligence Vendor-01/18/2024 | Qualifying FICO score is at least 20 points above minimum for program - 713 qualifying FICO score is 53 points above minimum of 660 for program.<br>Qualifying DTI below maximum allowed - 28.82% DTI is below 43% max. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 803021 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 803064 | xxxxxx D B A | Closed | xxxxxx | 2024-01-02 08:26 | 2024-01-04 17:55 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing Income - Bank Statements | Waived-Received exception approval for Income Documentation. Finding is deemed non material. Client waiver applied to non material findings - Due Diligence Vendor-01/04/2024 <br> Open-Borrower is a non perm resident an qualified as a 12 mos bank statement program. xxxxxx is limited to 24 mos only. Provide 12 ore additional mos of statements - Due Diligence Vendor-01/02/2024 |  | Waived-Received exception approval for Income Documentation. Finding is deemed non material. Client waiver applied to non material findings - Due Diligence Vendor-01/04/2024 | Qualifying DTI below maximum allowed - Qualifying DTI 6% below maximum allowed 45%<br>Qualifying FICO score is at least 20 points above minimum for program - Fico required is 660, borrower has 731 | Residual income more than 2x the amount required by guidelines<br> Credit Score 30+ points > minimum required | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 803064 | xxxxxx D B A | Closed | xxxxxx | 2023-12-29 15:57 | 2024-01-02 08:58 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 17.24 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-01/02/2024 <br> Open-Audited Reserves of 5.75 month(s) are less than Guideline Required Reserves of 6 month(s) Provide documentation or a bank statement to support reserve requirement. - Due Diligence Vendor-12/29/2023 |  | Resolved-Audited Reserves of 17.24 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-01/02/2024 | Qualifying DTI below maximum allowed - Qualifying DTI 6% below maximum allowed 45%<br>Qualifying FICO score is at least 20 points above minimum for program - Fico required is 660, borrower has 731 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 803267 | xxxxxx D B A | Closed | xxxxxx | 2024-01-03 10:20 | 2024-01-11 13:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-01/11/2024 <br> Open-Required Affiliated Business Disclosure Missing ----- Unable to test fee tolerance properly. Additional Findings may apply upon receipt. - Due Diligence Vendor-01/03/2024 |  | Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-01/11/2024 | Qualifying FICO score is at least 20 points above minimum for program - 713 > 660<br>Months Reserves exceed minimum required - 12 months > 4 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 803267 | xxxxxx D B A | Closed | xxxxxx | 2024-01-09 09:46 | 2024-01-09 10:19 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Disbursement xxxxxx, waiver applied deemed non material - Due Diligence Vendor-01/09/2024 |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Disbursement xxxxxx, waiver applied deemed non material - Due Diligence Vendor-01/09/2024 | Qualifying FICO score is at least 20 points above minimum for program - 713 > 660<br>Months Reserves exceed minimum required - 12 months > 4 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 803308 | xxxxxx C A | Closed | xxxxxx | 2024-01-02 15:46 | 2024-01-22 16:39 | 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 Report is not expired. - Due Diligence Vendor-01/22/2024 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 1 Gap Credit Report is Expired (UDN) (Greater than 10 days from Closing/Settlement Date).- last UDN report provided is dated xxxxxx. - Due Diligence Vendor-01/02/2024 |  | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-01/22/2024 | Months Reserves exceed minimum required - 6 months reserves required per guidelines, post close reserves are 46.70.<br>Long term residence - Borrower has lived at her primary residence for 19 years<br>Qualifying FICO score is at least 20 points above minimum for program - Min score allowed per guidelines is 620, qualifying score used is 723 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 803573 | xxxxxx C B A | Closed | xxxxxx | 2024-01-30 09:11 | 2024-02-06 16:08 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-02/06/2024 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Provide verification that mortgagee title coverage is at least the amount of the loan. - Due Diligence Vendor-01/30/2024 |  | Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-02/06/2024 | Months Reserves exceed minimum required - 6 months required, borrower has 36 months PITIA<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660, borrower is 775<br>LTV is less than guideline maximum - Maximum LTV is 85%, transaction LTV is 50% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 803573 | xxxxxx C B A | Closed | xxxxxx | 2024-01-30 10:28 | 2024-01-31 09:45 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Income and Employment Do Not Meet Guidelines Borrower does not have 2 years of foreign income reported on the most recent 2 years tax returns per G/L. Borrower only started receiving it and reported in 2022<br> Client waiver in file deemed non material. - Due Diligence Vendor-01/30/2024 |  | Waived-Income and Employment Do Not Meet Guidelines Borrower does not have 2 years of foreign income reported on the most recent 2 years tax returns per G/L. Borrower only started receiving it and reported in 2022<br> Client waiver in file deemed non material. - Due Diligence Vendor-01/30/2024 | Months Reserves exceed minimum required - 6 months required, borrower has 36 months PITIA<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660, borrower is 775<br>LTV is less than guideline maximum - Maximum LTV is 85%, transaction LTV is 50% | Per exception:<br> \*LTV/CLTV 10% or more below maximum allowed under applicable guidelines<br> \*Credit score 30+ points > minimum required<br> \*Employed in same profession > 5 years | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 803587 | xxxxxx D A | Closed | xxxxxx | 2024-01-08 14:50 | 2024-01-29 12:39 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved--Received post close CD with correction - Due Diligence Vendor-01/29/2024 <br> Counter--Received SPL which is unrelated to Finding. Finding remains - Due Diligence Vendor-01/24/2024 <br> Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Fees paid to Lender or Broker must be in Section A. They may only be in Section B if it is stated that the Lender/Broker is collecting the fee FBO (for the benefit of) the actual Vendor. Provide PCCD with correction. - Due Diligence Vendor-01/08/2024 |  | Resolved--Received post close CD with correction - Due Diligence Vendor-01/29/2024 | Months Reserves exceed minimum required - Borrower has 10.43 months of reserves and only needs 6 months to qualify.<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 747 and minimum allowed is 660.<br>Qualifying DTI below maximum allowed - DTI is 17.57% and max allowed is 50%.<br>LTV is less than guideline maximum - LTV is 64.98% and max allowed is 90%. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 803587 | xxxxxx D A | Closed | xxxxxx | 2024-01-08 12:24 | 2024-01-24 10:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Attorney Preference Letter | Resolved-Right To Choose Attorney or Attorney Preference Resolved or Not Applicable. - Received disclosure - Due Diligence Vendor-01/24/2024 <br> Open-Right To Choose Attorney or Attorney Preference Not In File - Due Diligence Vendor-01/08/2024 |  | Resolved-Right To Choose Attorney or Attorney Preference Resolved or Not Applicable. - Received disclosure - Due Diligence Vendor-01/24/2024 | Months Reserves exceed minimum required - Borrower has 10.43 months of reserves and only needs 6 months to qualify.<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 747 and minimum allowed is 660.<br>Qualifying DTI below maximum allowed - DTI is 17.57% and max allowed is 50%.<br>LTV is less than guideline maximum - LTV is 64.98% and max allowed is 90%. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 803844 | xxxxxx A | Closed | xxxxxx | 2024-01-11 08:04 | 2024-01-12 11:02 | Resolved | 1 - Information A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-01/12/2024 <br> Ready for Review-Document Uploaded. - Seller-01/11/2024 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Provide revised Fraud report with all parties. Only one Seller was listed. - Due Diligence Vendor-01/11/2024 | Ready for Review-Document Uploaded. - Seller-01/11/2024 | Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-01/12/2024 | LTV is less than guideline maximum - Max 80%- current 36.50% LTV <br>Qualifying FICO score is at least 20 points above minimum for program - Min 600; actual 692 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 803984 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 803997 | xxxxxx D B A | Closed | xxxxxx | 2024-01-26 11:03 | 2024-01-31 16:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/31/2024 <br> Ready for Review-Document Uploaded. Gap report dated 1/23/2024 reuploaded in xxxxxx and here. - Buyer-01/30/2024 <br> Counter-Gap report provided is not dated within 10 days of closing, please provide a Gap report dated within 10 days of closing. - Due Diligence Vendor-01/29/2024 <br> Counter-Gap Report provided is dated 27 days prior to closing. Please provide a gap report dated within 10 days of closing. - Due Diligence Vendor-01/29/2024 <br> Open-Borrower 1 Gap Credit Report is Missing. - Due Diligence Vendor-01/26/2024 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/31/2024 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, BWR FICO 709<br>Qualifying DTI below maximum allowed - DTI 45.34%; max 50%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 803997 | xxxxxx D B A | Closed | xxxxxx | 2024-01-26 10:42 | 2024-01-26 10:42 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Income and Employment Do Not Meet Guidelines 5 negative balances on 12 month bank statement analysis, 2 of them occur in the last 3 months. Client exception in file; Client waiver applied to non material finding - Due Diligence Vendor-01/26/2024 |  | Waived-Income and Employment Do Not Meet Guidelines 5 negative balances on 12 month bank statement analysis, 2 of them occur in the last 3 months. Client exception in file; Client waiver applied to non material finding - Due Diligence Vendor-01/26/2024 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, BWR FICO 709<br>Qualifying DTI below maximum allowed - DTI 45.34%; max 50%. | DTI <= 40% which is below requirement in guidelines<br> Credit Score 30+ points > minimum required | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 804021 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 804027 | xxxxxx D A | Closed | xxxxxx | 2024-01-22 17:40 | 2024-01-25 13:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Required forms/disclosures missing | Resolved-Affidavit provided. - Due Diligence Vendor-01/25/2024 <br> Ready for Review-Document Uploaded. - Seller-01/24/2024 <br> Open--Provide applicable Buyer's Affidavit, published by the xxxxxx Land Title Association, for foreign principals, persons, and entities. - Due Diligence Vendor-01/22/2024 | Ready for Review-Document Uploaded. - Seller-01/24/2024 | Resolved-Affidavit provided. - Due Diligence Vendor-01/25/2024 | DSCR % greater than 1.20 - DSCR 1.5%<br>Months Reserves exceed minimum required - Months Reserves 13.2 exceed minimum required by 7 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 804051 | xxxxxx D A | Closed | xxxxxx | 2024-01-11 13:05 | 2024-01-14 13:01 | Resolved | 1 - Information B A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved--Rec'd revised appraisal report with higher 1025 MR; finding resolved. - Due Diligence Vendor-01/14/2024 <br> Open-Audited DTI of 51.57% exceeds Guideline DTI of 50% - 1025 estimated market rents are $4400.00, it appears lender is using $4700.00 as expected monthly rental income. Lower rent results in high DTI. Property is vacant and there are no leases provided to support the expected rents. - Due Diligence Vendor-01/11/2024 |  | Resolved--Rec'd revised appraisal report with higher 1025 MR; finding resolved. - Due Diligence Vendor-01/14/2024 | Months Reserves exceed minimum required - 6Months required for reserves per guidelines, post close reserves are 13.71 months<br> Residual Income =/> 1.5 times $3,500 monthly residual income - Over $5K residual income<br> Qualifying FICO score is at least 20 points above minimum for program - Min score allowed per guidelines is 660, qualifying score used is 791<br> On time mortgage history exceeds guideline requirement - 36 months timely mortgage on primary residence. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 804051 | xxxxxx D A | Closed | xxxxxx | 2024-01-11 12:26 | 2024-01-14 12:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved--Rec'd gap report in trailing docs. - Due Diligence Vendor-01/14/2024 <br> Open-Borrower 1 Gap Credit Report is Missing, must be dated within 10 days of note. - Due Diligence Vendor-01/11/2024 |  | Resolved--Rec'd gap report in trailing docs. - Due Diligence Vendor-01/14/2024 | Months Reserves exceed minimum required - 6Months required for reserves per guidelines, post close reserves are 13.71 months<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Over $5K residual income<br>Qualifying FICO score is at least 20 points above minimum for program - Min score allowed per guidelines is 660, qualifying score used is 791<br>On time mortgage history exceeds guideline requirement - 36 months timely mortgage on primary residence. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 804103 | xxxxxx D B C A | Closed | xxxxxx | 2024-02-16 15:42 | 2024-02-23 11:51 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Received exception approval for Income documentation. Finding is deemed non material. Originator waiver applied to non material findings. - Due Diligence Vendor-02/22/2024 <br> Ready for Review-Document Uploaded. Uploaded exception approval - Seller-02/20/2024 <br> Open-Borrower is a Non-Permanent Resident Alien. Guidelines require 24 months Alt Income Documentation. Income documentation provided was only for 12 months. - Due Diligence Vendor-02/16/2024 | Ready for Review-Document Uploaded. Uploaded exception approval - Seller-02/20/2024 | Waived-Received exception approval for Income documentation. Finding is deemed non material. Originator waiver applied to non material findings. - Due Diligence Vendor-02/22/2024 | Months Reserves exceed minimum required - 6 months required- current 23.3<br>Qualifying DTI below maximum allowed - max 50%- current 45.28% | 23.3 months reserves<br> 0x30x27 mortgage history. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 804103 | xxxxxx D B C A | Closed | xxxxxx | 2024-02-15 09:28 | 2024-02-20 08:27 | Resolved | 1 - Information D A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Right of Rescission is Provided - Due Diligence Vendor-02/20/2024 <br> Ready for Review-Document Uploaded. uploaded signed right of rescissions - Seller-02/16/2024 <br> Open-Right of Rescission is Missing - Due Diligence Vendor-02/15/2024 | Ready for Review-Document Uploaded. uploaded signed right of rescissions - Seller-02/16/2024 | Resolved-Right of Rescission is Provided - Due Diligence Vendor-02/20/2024 | Months Reserves exceed minimum required - 6 months required- current 23.3<br>Qualifying DTI below maximum allowed - max 50%- current 45.28% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 808236 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 808347 | xxxxxx D A | Closed | xxxxxx | 2024-03-22 17:03 | 2024-04-01 16:26 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received the HOA Questionnaire. - Due Diligence Vendor-09/19/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. - Due Diligence Vendor-03/22/2024 |  | Resolved-Received the HOA Questionnaire. - Due Diligence Vendor-09/19/2025 | Months Reserves exceed minimum required - Borrower has 137.83 months of reserves and only needs 2 months to qualify.<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 739 and minimum allowed is 640. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 808394 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 808494 | xxxxxx D A | Closed | xxxxxx | 2024-03-14 11:04 | 2024-03-18 16:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-P&I verification provided. - Due Diligence Vendor-03/18/2024 <br> Ready for Review-Document Uploaded. Please see uploaded first payment letter, final hud-1 and fund from HELOC - Seller-03/14/2024 <br> Open-Provide documentation to support HELOC line P&I with xxxxxx and loan amount xxxxxx. - Due Diligence Vendor-03/14/2024 | Ready for Review-Document Uploaded. Please see uploaded first payment letter, final hud-1 and fund from HELOC - Seller-03/14/2024 | Resolved-P&I verification provided. - Due Diligence Vendor-03/18/2024 | Qualifying DTI below maximum allowed - Qualifying DTI 40% below maximum allowed 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 746 is at least 20 points above minimum for program 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 808494 | xxxxxx D A | Closed | xxxxxx | 2024-03-14 09:57 | 2024-03-15 11:17 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved--Withdrawals not required to be sourced; finding resolved. - Due Diligence Vendor-03/15/2024 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Funds to close and reserves from Business account xxxxxx that reflects following unusual transfer from chk xxxxxx $4000 on 1/2 ; $10000 on 1/5; $14000 on 1/8; $10000 on 1/9 and $25000 on 1/9/2024. Provide explanation and source following deposit. If unsourced Borrower will be short funds to reserves. - Due Diligence Vendor-03/14/2024 |  | Resolved--Withdrawals not required to be sourced; finding resolved. - Due Diligence Vendor-03/15/2024 | Qualifying DTI below maximum allowed - Qualifying DTI 40% below maximum allowed 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 746 is at least 20 points above minimum for program 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 808494 | xxxxxx D A | Closed | xxxxxx | 2024-03-13 13:46 | 2024-03-14 11:53 | Resolved | 1 - Information A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review no additional documentation required. - Due Diligence Vendor-09/22/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $300.00.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). Lender credit on final CD, $300.00 for increase in Closing Costs above legal limit. - Due Diligence Vendor-03/13/2024 |  | Resolved-Upon further review no additional documentation required. - Due Diligence Vendor-09/22/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 40% below maximum allowed 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 746 is at least 20 points above minimum for program 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 808541 | xxxxxx B A | Closed | xxxxxx | 2024-03-23 15:42 | 2024-03-25 12:25 | Waived | 2 - Non-Material B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Disbursement date xxxxxx. Deemed non material. - Due Diligence Vendor-03/23/2024 |  | Waived-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Disbursement date xxxxxx. Deemed non material. - Due Diligence Vendor-03/23/2024 | Qualifying FICO score is at least 20 points above minimum for program - 802 FICO exceeds 660 minimum required.<br>LTV is less than guideline maximum - 75% LTV is less than 80% maximum. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 808798 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 808872 | xxxxxx D A | Closed | xxxxxx | 2024-04-25 10:13 | 2024-04-30 15:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Lease agreement provided. - Due Diligence Vendor-04/30/2024 <br> Open-DSCR based on higher monthly rental. Missing lease agreement to support monthly rent and to meet guideline requirement of All leases must be signed/initialed by tenant and lessor. All leases must have a termination date later than the Note Date of the loan . If leases are expired, leases must have language that shows that the leases revert to month-to-month status following termination or a signed document with both tenant and lessor acknowledging the month-to-month nature of the lease and rent amount. Additional conditions may apply if rent not supported. - Due Diligence Vendor-04/25/2024 |  | Resolved-Lease agreement provided. - Due Diligence Vendor-04/30/2024 | LTV is less than guideline maximum - 67.43% LTV; max 75%.<br>Months Reserves exceed minimum required - 5.75 months reserves; 3 months required. <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 68; minimum 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 808878 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 809267 | xxxxxx D A | Closed | xxxxxx | 2024-04-03 16:08 | 2024-04-18 12:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Deed of Trust Riders | Resolved-ARM rider provided. - Due Diligence Vendor-04/18/2024 <br> Ready for Review-Document Uploaded. please see attached. - Seller-04/17/2024 <br> Open-Missing ARM Rider - Due Diligence Vendor-04/03/2024 | Ready for Review-Document Uploaded. please see attached. - Seller-04/17/2024 | Resolved-ARM rider provided. - Due Diligence Vendor-04/18/2024 | Months Reserves exceed minimum required - Reserves = 14 Months – Min Reserves = 6 Months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 791 Min FICO = 700 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 809267 | xxxxxx D A | Closed | xxxxxx | 2024-04-03 09:54 | 2024-04-05 15:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved--Statement provided showing primary mortgage is in spouses name only but borrower is on title as owner. - Due Diligence Vendor-04/05/2024 <br> Counter-Documentation the borrowers owns primary residence with spouse provided. Please provide a 12 month payment history as required by the guidelines - Due Diligence Vendor-04/05/2024 <br> Ready for Review-Document Uploaded. Please find attached Property Profile, Deed, Mortgage and Mortgage Statement. The borrower owns the property she lives in with their spouse, they are not living rent free per the guidelines. - Seller-04/04/2024 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Per 1003 - Borrower has No Primary Housing Expense -12 month history required on DSCR per guideslines.<br> - Due Diligence Vendor-04/03/2024 | Ready for Review-Document Uploaded. Please find attached Property Profile, Deed, Mortgage and Mortgage Statement. The borrower owns the property she lives in with their spouse, they are not living rent free per the guidelines. - Seller-04/04/2024 | Resolved--Statement provided showing primary mortgage is in spouses name only but borrower is on title as owner. - Due Diligence Vendor-04/05/2024 | Months Reserves exceed minimum required - Reserves = 14 Months – Min Reserves = 6 Months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 791 Min FICO = 700 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 809271 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 829912 | xxxxxx C B A | Closed | xxxxxx | 2025-05-01 12:29 | 2025-05-07 11:01 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received compliance documents - Due Diligence Vendor-05/07/2025 <br> Ready for Review-Document Uploaded. Please see Initial CD - Buyer-05/07/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing initial CD compliance pending - Due Diligence Vendor-05/01/2025 |  | Resolved-Received compliance documents - Due Diligence Vendor-05/07/2025 | On time mortgage history exceeds guideline requirement - 0x30x36<br>Qualifying DTI below maximum allowed - Max 50%, actual 42% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 829912 | xxxxxx C B A | Closed | xxxxxx | 2025-04-30 09:33 | 2025-05-07 09:34 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-Received CD xxxxxx Finding resolved. - Due Diligence Vendor-05/07/2025 <br> Ready for Review-Document Uploaded. Please see Initial CD - Buyer-05/06/2025 <br> Open------ Missing Initial CD - Due Diligence Vendor-04/30/2025 |  | Resolved-Received CD xxxxxx. Finding resolved. - Due Diligence Vendor-05/07/2025 | On time mortgage history exceeds guideline requirement - 0x30x36<br>Qualifying DTI below maximum allowed - Max 50%, actual 42% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 829912 | xxxxxx C B A | Closed | xxxxxx | 2025-04-30 09:02 | 2025-04-30 09:25 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/30/2025 |  | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/30/2025 | On time mortgage history exceeds guideline requirement - 0x30x36<br>Qualifying DTI below maximum allowed - Max 50%, actual 42% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 831565 | xxxxxx B A | Closed | xxxxxx | 2025-04-22 08:18 | 2025-04-23 16:02 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Within threshold. - Due Diligence Vendor-04/23/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of excess of allowable threshold of APOR -----Compliant Subprime - APR on subject loan of 7.759% is in excess of allowable threshold of APOR of 6.85% + 1.75%, or 8.6% - Due Diligence Vendor-04/22/2025 |  | Resolved-Within threshold. - Due Diligence Vendor-04/23/2025 | Qualifying FICO score is at least 20 points above minimum for program - 660 REQUIRED AND 796 SCORE FOR BORROWER. <br> Months Reserves exceed minimum required - 169 mths reserves; 3 mths required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 831627 | xxxxxx D A | Closed | xxxxxx | 2025-05-01 17:11 | 2025-05-15 11:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-operating agreement indicates she owns only 5%. 1003 not required - Due Diligence Vendor-05/15/2025 <br> Open-MISSING 1003 FOR CO-BORROWER/GUARANTOR SIGNOR ON NOTE. - Due Diligence Vendor-05/01/2025 |  | Resolved-operating agreement indicates she owns only 5%. 1003 not required - Due Diligence Vendor-05/15/2025 | Months Reserves exceed minimum required - 29.45mos reserves. Per guides, 2 reserves required.<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.084 Per guides, minimum DSCR 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 831627 | xxxxxx D A | Closed | xxxxxx | 2025-05-01 16:51 | 2025-05-15 11:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-05/15/2025 <br> Open-Third Party Fraud Report Partially Provided MISSING FRAUD REPORT FOR CO-BORROWER/GUARTOR SIGNOR ON NOTE. - Due Diligence Vendor-05/01/2025 |  | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-05/15/2025 | Months Reserves exceed minimum required - 29.45mos reserves. Per guides, 2 reserves required.<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.084 Per guides, minimum DSCR 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 831627 | xxxxxx D A | Closed | xxxxxx | 2025-05-01 16:49 | 2025-05-15 11:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Borrower 2 Credit Report is not missing. operating agreement indicates she owns only 5%. not required - Due Diligence Vendor-05/15/2025 <br> Open-Borrower 2 Credit Report is Missing. MISSING CREDIT REPORT FOR CO-BORROWER/GUARTOR SIGNOR ON NOTE. - Due Diligence Vendor-05/01/2025 |  | Resolved-Borrower 2 Credit Report is not missing. operating agreement indicates she owns only 5%. not required - Due Diligence Vendor-05/15/2025 | Months Reserves exceed minimum required - 29.45mos reserves. Per guides, 2 reserves required.<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.084 Per guides, minimum DSCR 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 831627 | xxxxxx D A | Closed | xxxxxx | 2025-05-01 15:47 | 2025-05-15 11:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-The Guaranty Agreement Doc is Present or Not Applicable. - Due Diligence Vendor-05/15/2025 <br> Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Partial'. MISSING CO-BORROWER/GUARANTOR GUARANTY AGREEMENT. SUBJECT LOAN BUSINESS PURPOSE LOAN. - Due Diligence Vendor-05/01/2025 |  | Resolved-The Guaranty Agreement Doc is Present or Not Applicable. - Due Diligence Vendor-05/15/2025 | Months Reserves exceed minimum required - 29.45mos reserves. Per guides, 2 reserves required.<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.084 Per guides, minimum DSCR 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836028 | xxxxxx C B A | Closed | xxxxxx | 2025-06-24 09:16 | 2025-06-30 08:49 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Received complete ACH form. - Due Diligence Vendor-06/30/2025 <br> Open-Foreign National but the ACH form is Missing from file. Automatic Payment Authorization (ACH) Form is required for all foreign national borrowers - Due Diligence Vendor-06/24/2025 |  | Resolved-Received complete ACH form. - Due Diligence Vendor-06/30/2025<br>| Long term residence - 7 years in primary home <br>Months Reserves exceed minimum required - 14 months available vs. 0 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836028 | xxxxxx C B A | Closed | xxxxxx | 2025-06-24 12:26 | 2025-06-24 12:44 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client exception granted to exclude ITIN, Non-material waiver applied with comp factors. non-material due to ITIN number that was required when the two investment properties were purchased. Foreign National residence is in xxxxxx. ITIN was not utilized for the transaction. - Due Diligence Vendor-06/24/2025 <br> Open-B1 is Foreign National and has ITIN. Per guides ITIN is not allowed. Borrower has an ITIN number that was required when the two investment properties were purchased. Her primary residence is in xxxxxx. A credit report was pulled with her ITIN number, but the credit is too old to score. VOM's are included for the mortgage on each property. ITIN was not utilized for the transaction. - Due Diligence Vendor-06/24/2025 |  | Waived-Client exception granted to exclude ITIN, Non-material waiver applied with comp factors. non-material due to ITIN number that was required when the two investment properties were purchased. Foreign National residence is in xxxxxx. ITIN was not utilized for the transaction. - Due Diligence Vendor-06/24/2025 | Long term residence - 7 years in primary home <br>Months Reserves exceed minimum required - 14 months available vs. 0 required | Subject property home ownership > 5 years<br> Reserves exceed requirement by 6 months or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 836319 | xxxxxx D A | Closed | xxxxxx | 2025-05-01 11:32 | 2025-05-08 10:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received attestation from the processor, the borrower is no longer a xxxxxx citizen. - Due Diligence Vendor-05/08/2025 <br> Open-Borrower Citizenship Documentation Is Missing Borrower has a SSN issued back in 2011. Unable to determine citizenship by documentation in file. As Social Security numbers are only issued to Permanent and Non Permanent resident aliens. Additional findings my apply. - Due Diligence Vendor-05/01/2025 |  | Resolved-Received attestation from the processor, the borrower is no longer a xxxxxx citizen. - Due Diligence Vendor-05/08/2025 | Months Reserves exceed minimum required - 48 months reserves; 12 months reserves required.<br>DSCR % greater than 1.20 - DSCR is 1.518 |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836319 | xxxxxx D A | Closed | xxxxxx | 2025-05-01 11:37 | 2025-05-08 10:50 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Received ACH. - Due Diligence Vendor-05/08/2025 <br> Open-Foreign National but the ACH form is Missing from file. Missing ACH Form. - Due Diligence Vendor-05/01/2025 |  | Resolved-Received ACH. - Due Diligence Vendor-05/08/2025 | Months Reserves exceed minimum required - 48 months reserves; 12 months reserves required.<br>DSCR % greater than 1.20 - DSCR is 1.518 |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836319 | xxxxxx D A | Closed | xxxxxx | 2025-05-01 11:29 | 2025-05-08 10:49 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received Alerts Summary with the cleared alert for the SSN. - Due Diligence Vendor-05/08/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per Fraud Report SSN listed on credit report was issued back in 2011 or later. Missing proof of borrower SSN. Additional findings may apply. - Due Diligence Vendor-05/01/2025 |  | Resolved-Received Alerts Summary with the cleared alert for the SSN. - Due Diligence Vendor-05/08/2025 | Months Reserves exceed minimum required - 48 months reserves; 12 months reserves required.<br>DSCR % greater than 1.20 - DSCR is 1.518 |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836564 | xxxxxx D A | Closed | xxxxxx | 2025-05-08 14:14 | 2025-05-19 10:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-05/19/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing borrower Gap Report. - Due Diligence Vendor-05/08/2025 |  | Resolved-Received Gap Report. - Due Diligence Vendor-05/19/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 751 and minimum allowed is 680.<br>Qualifying DTI below maximum allowed - DTI is 25.38% and max allowed is 50% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 836569 | xxxxxx C A | Closed | xxxxxx | 2025-05-08 12:52 | 2025-05-16 10:32 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received final title policy. - Due Diligence Vendor-05/16/2025 <br> Counter-Received duplicate documentation-missing confirmation xxxxxx liens are in 3rd and 4th position. - Due Diligence Vendor-05/13/2025 <br> Open-Property Title Issue Missing evidence that xxxxxx UCC filings are in third and fourth lien positions - Due Diligence Vendor-05/08/2025 |  | Resolved-Received final title policy. - Due Diligence Vendor-05/16/2025 | Qualifying DTI below maximum allowed - DTI 26.47% max 50%. <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 712; minimum score 680.<br>Months Reserves exceed minimum required - 26.31 mos reserves; 0 required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836620 | xxxxxx D B A | Closed | xxxxxx | 2025-05-19 09:14 | 2025-09-20 16:48 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Condo Master Insurance Policy is Partial | Waived-Originator exception for Insufficient property coverage. Non-material waiver applied to finding with compensating factors. Borrower carries separate HOI policy in addition to master insurance. - Due Diligence Vendor-09/22/2025 <br> Open-Lender Exception: "Insufficient property coverage for total # units in project on Master Policy for xxxxxx" - Due Diligence Vendor-05/19/2025 |  | Waived-Originator exception for Insufficient property coverage. Non-material waiver applied to finding with compensating factors. Borrower carries separate HOI policy in addition to master insurance. - Due Diligence Vendor-09/22/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 815<br>Months Reserves exceed minimum required - 427 mths reserves; 6 mths required. | Not HPML\*- LTV79.05<= 85%; <br> FICO 815> 660 minimum; <br> 427 mo Reserves> 6mo Minimum; <br> Not in Flood zone-X | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 836620 | xxxxxx D B A | Closed | xxxxxx | 2025-05-16 10:03 | 2025-06-02 10:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-06/02/2025 <br> Open-Missing Evidence of Property Tax Missing Prop Tax info - Due Diligence Vendor-05/19/2025 |  | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-06/02/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 815<br>Months Reserves exceed minimum required - 427 mths reserves; 6 mths required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 836620 | xxxxxx D B A | Closed | xxxxxx | 2025-05-16 10:29 | 2025-05-28 10:05 | Resolved | 1 - Information C A | Credit | Insurance | Named Insured on HO6 Master Policy does not match HOA Name | Resolved-Upon further review, the loan file contained all required HO6 documentation. - Due Diligence Vendor-05/28/2025 <br> Open-Named Insured on HO-6 Master Insurance Policy does not match HOA Name Appraisal reflects xxxxxx, condo policy reflects xxxxxx - Due Diligence Vendor-05/16/2025 |  | Resolved-Upon further review, the loan file contained all required HO6 documentation. - Due Diligence Vendor-05/28/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 815<br>Months Reserves exceed minimum required - 427 mths reserves; 6 mths required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 836620 | xxxxxx D B A | Closed | xxxxxx | 2025-05-16 11:28 | 2025-05-19 10:44 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-This case involves an allegation that the plaintiff, while xxxxxx. - Due Diligence Vendor-05/19/2025 |  | Resolved-This case involves an allegation that the plaintiff, while xxxxxx. - Due Diligence Vendor-05/19/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 815<br> Months Reserves exceed minimum required - 427 mths reserves; 6 mths required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 836620 | xxxxxx D B A | Closed | xxxxxx | 2025-05-16 11:27 | 2025-05-19 09:17 | Waived | 2 - Non-Material C B | Credit | Eligibility | Escrow waiver guidelines were not met | Waived- Originator exception for waiving escrows. Non-material waiver applied to finding with compensating factors. (no evidence to indicate separate xxxxxx Exceptions on file) - Due Diligence Vendor-05/19/2025 <br> Open-NQM Internal review waiving escrows when all criteria is met.<br> - Due Diligence Vendor-05/16/2025 |  | Waived- Originator exception for waiving escrows. Non-material waiver applied to finding with compensating factors. (no evidence to indicate separate xxxxxx Exceptions on file) - Due Diligence Vendor-05/19/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 815<br>Months Reserves exceed minimum required - 427 mths reserves; 6 mths required. | Not HPML\*- LTV79.05<= 85%; FICO 815> 660 minimum; 427 mo Reserves> 6mo Minimum; Not in Flood zone-X | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 836624 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 836695 | xxxxxx D A | Closed | xxxxxx | 2025-05-21 13:54 | 2025-06-13 12:05 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received 1008 - Due Diligence Vendor-05/23/2025 <br> Open-Missing Approval/Underwriting Summary Missing lender 1008 / Approval - Due Diligence Vendor-05/21/2025 |  | Resolved-Received 1008 - Due Diligence Vendor-05/23/2025 | Months Reserves exceed minimum required - Guidelines require 3 months of reserves. Qualifying reserves are 24 months.<br>Qualifying DTI below maximum allowed - Guidelines allow DTI to 50%. Qualifying DTI is 25.23%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 836695 | xxxxxx D A | Closed | xxxxxx | 2025-05-21 13:26 | 2025-06-13 12:04 | Resolved | 1 - Information C A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved-Delinquent Credit History Meets Guideline Requirements. Proof both judgments are closed provided. - Due Diligence Vendor-06/13/2025 <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements Guidelines indicate all open judgments, garnishments, and all outstanding liens must be paid off prior to or at loan closing. The file contained a lien and judgment report and two civil judgments reflect open. No proof the two debts were paid in full. Judgement 1 filed xxxxxx for xxxxxx and Judgement 2 filed xxxxxx for xxxxxx. Subject to additional conditions. - Due Diligence Vendor-05/22/2025 |  | Resolved-Delinquent Credit History Meets Guideline Requirements. Proof both judgments are closed provided. - Due Diligence Vendor-06/13/2025 | Months Reserves exceed minimum required - Guidelines require 3 months of reserves. Qualifying reserves are 24 months.<br> Qualifying DTI below maximum allowed - Guidelines allow DTI to 50%. Qualifying DTI is 25.23%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 836695 | xxxxxx D A | Closed | xxxxxx | 2025-05-22 05:57 | 2025-05-27 09:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received RCE confirming roof is 100% covered. - Due Diligence Vendor-05/27/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Subject HOI roof replacement based on "Replacement Cost with Roof Schedule". Additional information is required for "roof schedule" per guidelines - Policies that limit, depreciate, reduce, or otherwise settle losses at anything other than replacement cost basis are also unacceptable. - Due Diligence Vendor-05/22/2025 |  | Resolved-Received RCE confirming roof is 100% covered. - Due Diligence Vendor-05/27/2025 | Months Reserves exceed minimum required - Guidelines require 3 months of reserves. Qualifying reserves are 24 months.<br>Qualifying DTI below maximum allowed - Guidelines allow DTI to 50%. Qualifying DTI is 25.23%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 836750 | xxxxxx D B A | Closed | xxxxxx | 2025-05-05 11:52 | 2025-09-17 13:48 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Received ACH - Due Diligence Vendor-05/13/2025 <br> Open-Foreign National but the ACH form is Missing from file. - Due Diligence Vendor-05/05/2025 |  | Resolved-Received ACH - Due Diligence Vendor-05/13/2025 | Months Reserves exceed minimum required - Qualifying reserves 6 months; minimum required NONE<br>Long term residence - Borrower own primary residence from the past 6.3 years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 836750 | xxxxxx D B A | Closed | xxxxxx | 2025-05-05 11:19 | 2025-05-30 14:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-05/22/2025 <br> Open-Missing Evidence of Property Tax Missing tax calculation to support the escrowed amount listed on the settlement statement which is higher than lender's final 1003. - Due Diligence Vendor-05/05/2025 |  | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-05/22/2025 | Months Reserves exceed minimum required - Qualifying reserves 6 months; minimum required NONE<br>Long term residence - Borrower own primary residence from the past 6.3 years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 836750 | xxxxxx D B A | Closed | xxxxxx | 2025-05-05 11:39 | 2025-05-28 10:29 | Resolved | 1 - Information B A | Credit | Missing Doc | Flood Certificate Partially Provided | Resolved-Received flood cert. - Due Diligence Vendor-05/28/2025 <br> Counter-Flood Cert provided is expired. Please provide the Flood Cert dated within 120 days of the Note date. - Due Diligence Vendor-05/22/2025 <br> Open-Flood Certificate is Partially Provided Missing Flood Cert obtained within 120 days of the note date. Flood cert is beyond 120 days. - Due Diligence Vendor-05/05/2025 |  | Resolved-Received flood cert. - Due Diligence Vendor-05/28/2025 | Months Reserves exceed minimum required - Qualifying reserves 6 months; minimum required NONE<br>Long term residence - Borrower own primary residence from the past 6.3 years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 836750 | xxxxxx D B A | Closed | xxxxxx | 2025-05-05 11:56 | 2025-05-28 10:28 | Waived | 2 - Non-Material C B | Credit | Eligibility | xxxxxx Foreign National Affidavit is missing or incomplete | Waived-Client provided a waiver xxxxxx Foreign National Affidavit for Guarantee B2, applied to non material finding with comp factors - Due Diligence Vendor-05/28/2025 <br> Counter-Guidelines require a complete credit package for all members providing the Guarantee. B2 signed the Guarantee agreement as an individual. - Due Diligence Vendor-05/09/2025 <br> Open-xxxxxx Foreign National Affidavit is Missing or Incomplete. Missing for B2-B2 signed note, mortgage and guaranty, must treat as a borrower - Due Diligence Vendor-05/05/2025 |  | Waived-Client provided a waiver xxxxxx Foreign National Affidavit for Guarantee B2, applied to non material finding with comp factors - Due Diligence Vendor-05/28/2025 | Months Reserves exceed minimum required - Qualifying reserves 6 months; minimum required NONE<br>Long term residence - Borrower own primary residence from the past 6.3 years | 1 - Experienced investor owns and manages 2 or more properties for 12 months<br> 2 - Reserves exceed requirement by 6 months or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 836750 | xxxxxx D B A | Closed | xxxxxx | 2025-05-05 12:22 | 2025-05-28 10:25 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing or Incomplete 1003 | Waived-Client provided a waiver for complete 1003 for Guarantee B2, applied to non material finding with comp factors - Due Diligence Vendor-05/28/2025 <br> Counter-Guidelines require a complete credit package for all members providing the Guarantee. B2 signed the Guarantee agreement as an individual. - Due Diligence Vendor-05/09/2025 <br> Open-Missing 1003 for B2 who signed the note, mortgage and guaranty. Must meet all requirements for a Foreign National borrower. - Due Diligence Vendor-05/05/2025 |  | Waived-Client provided a waiver for complete 1003 for Guarantee B2, applied to non material finding with comp factors - Due Diligence Vendor-05/28/2025 | Months Reserves exceed minimum required - Qualifying reserves 6 months; minimum required NONE<br>Long term residence - Borrower own primary residence from the past 6.3 years | 1 - Experienced investor owns and manages 2 or more properties for 12 months<br> 2 - Reserves exceed requirement by 6 months or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 836750 | xxxxxx D B A | Closed | xxxxxx | 2025-05-05 12:30 | 2025-05-28 10:24 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 2 Citizenship Documentation Not Provided | Waived-Client provided a waiver of complete credit package for Guarantee B2, applied to non material finding with comp factors - Due Diligence Vendor-05/28/2025 <br> Counter-Guidelines require a complete credit package for all members providing the Guarantee. B2 signed the Guarantee agreement as an individual. - Due Diligence Vendor-05/09/2025 <br> Open-Missing, Foreign National - Due Diligence Vendor-05/05/2025 |  | Waived-Client provided a waiver of complete credit package for Guarantee B2, applied to non material finding with comp factors - Due Diligence Vendor-05/28/2025 | Months Reserves exceed minimum required - Qualifying reserves 6 months; minimum required NONE<br>Long term residence - Borrower own primary residence from the past 6.3 years | 1 - Experienced investor owns and manages 2 or more properties for 12 months <br> 2 - Reserves exceed requirement by 6 months or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 836750 | xxxxxx D B A | Closed | xxxxxx | 2025-05-05 12:31 | 2025-05-28 10:22 | Waived | 2 - Non-Material C B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-Client provided a waiver OFAC clearance on personal guarantee, applied to non material finding with comp factors - Due Diligence Vendor-05/28/2025 <br> Counter-OFAC provided, however b2 should be included in the full Fraud Report. - Due Diligence Vendor-05/14/2025 <br> Counter-Guidelines require a complete credit package for all members providing the Guarantee. B2 signed the Guarantee agreement as an individual. - Due Diligence Vendor-05/09/2025 <br> Open-OFAC Check Not Completed and/or Cleared Missing OFAC check for B2-B2 signed note, mortgage and guaranty, must treat as a borrower - Due Diligence Vendor-05/05/2025 |  | Waived-Client provided a waiver OFAC clearance on personal guarantee, applied to non material finding with comp factors - Due Diligence Vendor-05/28/2025 | Months Reserves exceed minimum required - Qualifying reserves 6 months; minimum required NONE<br>Long term residence - Borrower own primary residence from the past 6.3 years | 1 - Experienced investor owns and manages 2 or more properties for 12 months <br> 2 - Reserves exceed requirement by 6 months or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 836750 | xxxxxx D B A | Closed | xxxxxx | 2025-05-05 12:31 | 2025-05-28 10:20 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Waived-Client provided a waiver excluding Fraud Report on all guarantors, applied to non material finding with comp factors - Due Diligence Vendor-05/28/2025 <br> Counter-Guidelines require a complete credit package for all members providing the Guarantee. B2 signed the Guarantee agreement as an individual. - Due Diligence Vendor-05/09/2025 <br> Open-Third Party Fraud Report Partially Provided Missing for B2 - Due Diligence Vendor-05/05/2025 |  | Waived-Client provided a waiver excluding Fraud Report on all guarantors, applied to non material finding with comp factors - Due Diligence Vendor-05/28/2025 | Months Reserves exceed minimum required - Qualifying reserves 6 months; minimum required NONE<br>Long term residence - Borrower own primary residence from the past 6.3 years | 1 - Experienced investor owns and manages 2 or more properties for 12 months<br> 2 - Reserves exceed requirement by 6 months or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 836750 | xxxxxx D B A | Closed | xxxxxx | 2025-05-05 11:49 | 2025-05-22 11:07 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Upon further review, all deposits are from xxxxxx. xxxxxx was the source of deposits into xxxxxx. Deposits are not required to be source. - Due Diligence Vendor-05/22/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Missing evidence of borrower's ownership interest/proof of ownership in xxxxxx whose assets were used for the EMD. - Due Diligence Vendor-05/05/2025 |  | Resolved-Upon further review, all deposits are from xxxxxx. xxxxxx was the source of deposits into xxxxxx. Deposits are not required to be source. - Due Diligence Vendor-05/22/2025 | Months Reserves exceed minimum required - Qualifying reserves 6 months; minimum required NONE<br>Long term residence - Borrower own primary residence from the past 6.3 years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 836750 | xxxxxx D B A | Closed | xxxxxx | 2025-05-05 11:38 | 2025-05-13 11:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Required forms/disclosures missing | Resolved-Received consent for both borrowers. - Due Diligence Vendor-05/13/2025 <br> Open-Missing required Borrower Contact Consent Form, B1/B2 - Due Diligence Vendor-05/05/2025 |  | Resolved-Received consent for both borrowers. - Due Diligence Vendor-05/13/2025 | Months Reserves exceed minimum required - Qualifying reserves 6 months; minimum required NONE<br>Long term residence - Borrower own primary residence from the past 6.3 years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 836783 | xxxxxx D B A | Closed | xxxxxx | 2025-04-24 09:12 | 2025-04-28 09:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received mortgage statement. - Due Diligence Vendor-04/28/2025 <br> Ready for Review-Document Uploaded. Please review again - Seller-04/25/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing mortgage verification on subject property - Due Diligence Vendor-04/24/2025 | Ready for Review-Document Uploaded. Please review again - Seller-04/25/2025 | Resolved-Received mortgage statement. - Due Diligence Vendor-04/28/2025 | Qualifying DTI below maximum allowed - o Qualifying DTI 31.72%; max allowable 49.99%<br>Months Reserves exceed minimum required - o 18 Months reserves; 0 months reserves required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836783 | xxxxxx D B A | Closed | xxxxxx | 2025-04-22 10:25 | 2025-04-22 10:50 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/22/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/22/2025 | Qualifying DTI below maximum allowed - o Qualifying DTI 31.72%; max allowable 49.99%<br>Months Reserves exceed minimum required - o 18 Months reserves; 0 months reserves required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 836856 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 836934 | xxxxxx C A | Closed | xxxxxx | 2025-04-30 21:31 | 2025-05-08 14:12 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-The 1008 in the loan file indicates this is a DSCR plus, first time homebuyers are allowed. - Due Diligence Vendor-05/08/2025 <br> Open-Housing History Does Not Meet Guideline Requirements BORR FTHB AND FIRST TIME Client. PER GUIDES PG30: First Time Homebuyers Not Permitted. - Due Diligence Vendor-05/01/2025 |  | Resolved-The 1008 in the loan file indicates this is a DSCR plus, first time homebuyers are allowed. - Due Diligence Vendor-05/08/2025 | Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 751. Per guides, minimum score required 660.<br>Months Reserves exceed minimum required - 34 mos reserves. Per guides, 3 reserves required. |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 836958 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 836965 | xxxxxx D A | Closed | xxxxxx | 2025-06-04 16:41 | 2025-07-01 09:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-07/01/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing the required GAP credit report dated within 10 days of the note date. - Due Diligence Vendor-06/04/2025 |  | Resolved-Received Gap Report. - Due Diligence Vendor-07/01/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 779, guideline minimum is 680.<br>Qualifying DTI below maximum allowed - Calculated DTI is 21.83%, guideline maximum is 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836965 | xxxxxx D A | Closed | xxxxxx | 2025-06-04 16:05 | 2025-07-01 09:47 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received Appraisal. - Due Diligence Vendor-07/01/2025 <br> Open-Appraisal is Missing File contains the xxxxxx (CU) submission summary and the xxxxxx (LPA) submission summary which support there is an appraisal dated xxxxxx. Missing the appraisal date xxxxxx. additional findings may apply if Appraisal does not match Desk Review in file. - Due Diligence Vendor-06/04/2025 |  | Resolved-Received Appraisal. - Due Diligence Vendor-07/01/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 779, guideline minimum is 680.<br>Qualifying DTI below maximum allowed - Calculated DTI is 21.83%, guideline maximum is 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836966 | xxxxxx C A | Closed | xxxxxx | 2025-05-01 10:44 | 2025-05-06 09:53 | Resolved | 1 - Information C A | Credit | Closing | Calculated Initial Payment and Initial Principal and Interest Payment do not match | Resolved-Upon further review, note is correct and nothing further is needed or required. - Due Diligence Vendor-05/06/2025 <br> Open-Calculated Initial P&I Payment Amount does not match Initial P&I Payment Amount (Variance exceeds $0.01) Simple Interest Loan and pmt on the Note does not reflect correct payment. - Due Diligence Vendor-05/02/2025 |  | Resolved-Upon further review, note is correct and nothing further is needed or required. - Due Diligence Vendor-05/06/2025 | CLTV is less than guidelines maximum - The CLTV is 70.31%, guideline maximum is 85%.<br>Qualifying FICO score is at least 20 points above minimum for program - The score for grading is 724, guideline minimum is 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836966 | xxxxxx C A | Closed | xxxxxx | 2025-05-01 11:35 | 2025-05-02 14:09 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------ Resolved. Lender provided credit of $53.80 for increase in closing costs above legal limit - Due Diligence Vendor-05/02/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $53.80.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Resolved. Lender provided credit of $53.80 for increase in closing costs above legal limit - Due Diligence Vendor-05/01/2025 |  | Resolved------ Resolved. Lender provided credit of $53.80 for increase in closing costs above legal limit - Due Diligence Vendor-05/02/2025 | CLTV is less than guidelines maximum - The CLTV is 70.31%, guideline maximum is 85%.<br>Qualifying FICO score is at least 20 points above minimum for program - The score for grading is 724, guideline minimum is 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836967 | xxxxxx D A | Closed | xxxxxx | 2025-05-30 13:41 | 2025-06-05 15:18 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-06/05/2025 <br> Open-ATR: The Lender did not document all ATR Factors YTD earnings pg 290 provided are only up to 03/28/2025 and loan closed xxxxxx. Additionally, the three month average YTD amount is lower than the prior year earnings; if using this amount DTI will exceed 50%. - Due Diligence Vendor-05/30/2025 |  | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-06/05/2025 | Months Reserves exceed minimum required - 16.22 months PITIA reserves; 3 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 779; minimum score 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 836967 | xxxxxx D A | Closed | xxxxxx | 2025-05-30 13:41 | 2025-06-05 15:18 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received income documentation. ATR-QM status updated. - Due Diligence Vendor-09/19/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. YTD earnings pg 290 provided are only up to 03/28/2025 and loan closed xxxxxx. Additionally, the three month average YTD amount is lower than the prior year earnings; if using this amount DTI will exceed 50%. - Due Diligence Vendor-05/30/2025 |  | Resolved-Received income documentation. ATR-QM status updated. - Due Diligence Vendor-09/19/2025 | Months Reserves exceed minimum required - 16.22 months PITIA reserves; 3 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 779; minimum score 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 836967 | xxxxxx D A | Closed | xxxxxx | 2025-05-30 12:56 | 2025-06-05 15:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Income was calculated using the 2024 1099 with a 10% expense factor and the YTD. Lox indicates earnings are higher in the summer months. - Due Diligence Vendor-06/05/2025 <br> Open-The three month average YTD amount is lower than the prior year earnings; letter of explanation required. - Due Diligence Vendor-06/05/2025 |  | Resolved-Income was calculated using the 2024 1099 with a 10% expense factor and the YTD. Lox indicates earnings are higher in the summer months. - Due Diligence Vendor-06/05/2025 | Months Reserves exceed minimum required - 16.22 months PITIA reserves; 3 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 779; minimum score 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 836974 | xxxxxx D A | Closed | xxxxxx | 2025-05-09 16:40 | 2025-05-13 14:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Partial | Resolved-Received Master Policy w/sufficient Fidelity Coverage. - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-05/12/2025 <br> Open-Condo Master Insurance Policy Partially Provided Missing fidelity coverage, guide is silent revert to xxxxxx - Due Diligence Vendor-05/09/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-05/12/2025 | Resolved-Received Master Policy w/sufficient Fidelity Coverage. - Due Diligence Vendor-05/13/2025 | LTV is less than guideline maximum - LTV 50% LTV. Allowed 75%<br>Months Reserves exceed minimum required - 181 months reserves; 3 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837040 | xxxxxx D A | Closed | xxxxxx | 2025-05-16 10:11 | 2025-05-21 10:04 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose Certification. - Due Diligence Vendor-05/21/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing No BP affidavit in file. - Due Diligence Vendor-05/16/2025 |  | Resolved-Received Business Purpose Certification. - Due Diligence Vendor-05/21/2025 | Months Reserves exceed minimum required - Reserves are 82 mo's vs program min of 2 mo's. <br>Qualifying FICO score is at least 20 points above minimum for program - Score is 706 vs program min of 660 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837054 | xxxxxx C A | Closed | xxxxxx | 2025-06-10 14:22 | 2025-06-19 11:37 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Upon further review, additional assets were located in the loan file. Audited Reserves of 6.74 month(s) are greater than or equal to Guideline Required Reserves of 2 month(s) - Due Diligence Vendor-06/19/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 2 month(s) Additional assets required to cover reserves. - Due Diligence Vendor-06/11/2025 |  | Resolved-Upon further review, additional assets were located in the loan file. Audited Reserves of 6.74 month(s) are greater than or equal to Guideline Required Reserves of 2 month(s) - Due Diligence Vendor-06/19/2025 | Long term residence - Long term residence 5 years<br>DSCR =/> 1.00 and minimum is 0.85 or Less - > 1.00 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837054 | xxxxxx C A | Closed | xxxxxx | 2025-06-10 14:16 | 2025-06-19 11:37 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Upon further review, additional assets were located in the loan file. - Due Diligence Vendor-06/19/2025 <br> Open-Asset Record 2 Does Not Meet G/L Requirements Missing xxxxxx with balance of $105,000. Please note that assets are not yet finalized. Additional documentation may be required. - Due Diligence Vendor-06/10/2025 |  | Resolved-Upon further review, additional assets were located in the loan file. - Due Diligence Vendor-06/19/2025 | Long term residence - Long term residence 5 years<br>DSCR =/> 1.00 and minimum is 0.85 or Less - > 1.00 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837069 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 837078 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 837139 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 837219 | xxxxxx C A | Closed | xxxxxx | 2025-05-14 12:16 | 2025-05-19 09:43 | Resolved | 1 - Information B A | Credit | Eligibility | Purchase Contract Issue | Resolved-received Text Overflow addendum with seller credit. - Due Diligence Vendor-05/19/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Missing Purchase Contract Addendum reflecting seller credit in the amount of $8,600. - Due Diligence Vendor-05/14/2025 |  | Resolved-received Text Overflow addendum with seller credit. - Due Diligence Vendor-05/19/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 786 and minimum allowed is 660.<br>Qualifying DTI below maximum allowed - DTI is 29.55% and max allowed is 50%<br>LTV is less than guideline maximum - LTV is 53.49% and max allowed is 80%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837219 | xxxxxx C A | Closed | xxxxxx | 2025-05-14 12:33 | 2025-05-19 09:41 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received OFAC. - Due Diligence Vendor-05/19/2025 <br> Open-OFAC Check Not Completed and/or Cleared 1. Missing sam.gov check for the Appraiser and Escrow matches<br> 2. OFAC hit for appraiser and broker not addressed - Due Diligence Vendor-05/14/2025 |  | Resolved-Received OFAC. - Due Diligence Vendor-05/19/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 786 and minimum allowed is 660.<br>Qualifying DTI below maximum allowed - DTI is 29.55% and max allowed is 50%<br>LTV is less than guideline maximum - LTV is 53.49% and max allowed is 80%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837316 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 837345 | xxxxxx D A | Closed | xxxxxx | 2025-05-14 12:51 | 2025-05-20 11:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Received Purchase Contract. - Due Diligence Vendor-05/20/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is Missing. Purchase contract not provided - Due Diligence Vendor-05/14/2025 |  | Resolved-Received Purchase Contract. - Due Diligence Vendor-05/20/2025 | Months Reserves exceed minimum required - Min 6, actual 22 months.<br>LTV is less than guideline maximum - Max 75%, actual 70%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837346 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 837387 | xxxxxx C A | Closed | xxxxxx | 2025-06-24 09:14 | 2025-07-02 10:20 | 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-07/02/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal - Due Diligence Vendor-06/24/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/02/2025 | Verified employment history exceeds guidelines - S/E Bus owner 10+ yrs <br>Months Reserves exceed minimum required - 19 mths reserves; 3 mths required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837459 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 837465 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 837468 | xxxxxx D A | Closed | xxxxxx | 2025-05-28 15:17 | 2025-06-09 11:44 | Resolved | 1 - Information C A | Credit | Eligibility | Builder in Control of the HOA | Resolved-Received Updated questionnaire with an estimated turn over time. - Due Diligence Vendor-06/09/2025 <br> Open-Builder is in control of HOA Questionnaire indicates control of HOA has not been turned over to unit owners. - Due Diligence Vendor-05/28/2025 |  | Resolved-Received Updated questionnaire with an estimated turn over time. - Due Diligence Vendor-06/09/2025 | Months Reserves exceed minimum required - 146 mths reserves; 3 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 753. Per guides, minimum score required 660. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 837468 | xxxxxx D A | Closed | xxxxxx | 2025-05-28 15:15 | 2025-06-02 13:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Partial | Resolved-Flood insurance and invoice provided. - Due Diligence Vendor-06/02/2025 <br> Open-Condo Master Insurance Policy Partially Provided Condo Master Policy does not provide flood coverage. Borrower provided proof of individual unit flood coverage.<br> - Due Diligence Vendor-05/28/2025 |  | Resolved-Flood insurance and invoice provided. - Due Diligence Vendor-06/02/2025 | Months Reserves exceed minimum required - 146 mths reserves; 3 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 753. Per guides, minimum score required 660. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 837558 | xxxxxx C B A | Closed | xxxxxx | 2025-06-11 15:43 | 2025-07-09 08:52 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income 8 Months Income Verified is Missing | Waived-Client provided a waiver for recent receipt of additional income considered in qualifying, applied to non material finding with comp factors - Due Diligence Vendor-07/09/2025 <br> Counter-Final 1003 for B2 reflects SSI, Retirement and $175.51 Disability. Original finding remains: Missing evidence that the direct deposit of $175.51 from xxxxxx is for B2. - Due Diligence Vendor-07/07/2025 <br> Counter-Documentation received is insufficient-original finding remains-Missing evidence that the direct deposit of $175.51 from xxxxxx is for B2. - Due Diligence Vendor-06/24/2025 <br> Counter-Received 1099R supporting $4,314.66 Military retirement-missing xxxxxx $175.51 for B2-original finding remains. - Due Diligence Vendor-06/17/2025 <br> Open-Income 8 Months Income Verified is Missing Missing evidence that the direct deposit of $175.51 from xxxxxx is for B2. - Due Diligence Vendor-06/11/2025 |  | Waived-Client provided a waiver for recent receipt of additional income considered in qualifying, applied to non material finding with comp factors - Due Diligence Vendor-07/09/2025 | LTV is less than guideline maximum - 85% allowed, subject 80%. <br>Qualifying FICO score is at least 20 points above minimum for program - 660 required, subject 816. | Compensating Factor 1 - Credit Score 30+ points > minimum required<br> Compensating Factor 2 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> Compensating Factor 3 - Reserves exceed requirement by 10 months or more | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 837558 | xxxxxx C B A | Closed | xxxxxx | 2025-06-10 08:27 | 2025-06-19 08:01 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received LE xxxxxx, COC xxxxxx. - Due Diligence Vendor-06/19/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $165.00.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 $165.00 (Appraisal Review 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 $165.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years- Expiration date is xxxxxx.<br> - Due Diligence Vendor-06/10/2025 |  | Resolved-Received LE xxxxxx, COC xxxxxx. - Due Diligence Vendor-06/19/2025 | LTV is less than guideline maximum - 85% allowed, subject 80%. <br>Qualifying FICO score is at least 20 points above minimum for program - 660 required, subject 816. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837609 | xxxxxx D B A | Closed | xxxxxx | 2025-06-05 15:21 | 2025-07-28 08:51 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client provided a waiver for LTV>70 with FICO<700, applied to non material finding with comp factors - Due Diligence Vendor-07/28/2025 <br> Counter-Documentation received is insufficient-audit DSCR is 0.856. Max LTV 70% for FICO <700. - Due Diligence Vendor-07/21/2025 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 70% for credit score below 700 (689) - Due Diligence Vendor-06/05/2025 |  | Waived-Client provided a waiver for LTV>70 with FICO<700, applied to non material finding with comp factors - Due Diligence Vendor-07/28/2025 | On time mortgage history exceeds guideline requirement - Mortgage History 0x30x12<br>Months Reserves exceed minimum required - 0 months reserves; 25 months reserves required. | Current primary home ownership > 2 years<br> 0x30 for 24 months on all mortgages<br> Reserves exceed requirement by 10 months or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 837609 | xxxxxx D B A | Closed | xxxxxx | 2025-06-06 16:10 | 2025-07-21 09:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Received corrected final 1003 reflecting No to xxxxxx B. - Due Diligence Vendor-07/21/2025 <br> Open-Per Question B on Declarations, borrower answered "yes" to having a relationship or business affiliation with seller of property. Missing letter of explanation regarding relationship to seller - Due Diligence Vendor-06/06/2025 |  | Resolved-Received corrected final 1003 reflecting No to xxxxxx B. - Due Diligence Vendor-07/21/2025 | On time mortgage history exceeds guideline requirement - Mortgage History 0x30x12<br>Months Reserves exceed minimum required - 0 months reserves; 25 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837609 | xxxxxx D B A | Closed | xxxxxx | 2025-06-06 16:11 | 2025-07-16 08:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received corrected 1003 reflecting no relationship with seller present. - Due Diligence Vendor-07/16/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing 12 month mortgage history on the existing mortgage securing the subject property, confirming the sale is not a foreclosure bailout - Due Diligence Vendor-06/06/2025 |  | Resolved-Received corrected 1003 reflecting no relationship with seller present. - Due Diligence Vendor-07/16/2025 | On time mortgage history exceeds guideline requirement - Mortgage History 0x30x12<br>Months Reserves exceed minimum required - 0 months reserves; 25 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837814 | xxxxxx D A | Closed | xxxxxx | 2025-05-29 16:13 | 2025-06-04 09:36 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-------$8.00 Lender Credit for Increase in Closing Costs above legal limit is sufficient for Credit Report Fee increase. -----$.40 increase due to Rounding - Due Diligence Vendor-06/04/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $33.40.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 $25.00 (Appraisal Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $25.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is xxxxxx. ------$8.00 Lender Credit for Increase in Closing Costs above legal limit is sufficient for Credit Report Fee increase. -----$.40 increase due to Rounding.<br> - Due Diligence Vendor-05/29/2025 |  | Resolved-------$8.00 Lender Credit for Increase in Closing Costs above legal limit is sufficient for Credit Report Fee increase. -----$.40 increase due to Rounding - Due Diligence Vendor-06/04/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO = 731 Min FICO = 680<br>Qualifying DTI below maximum allowed - DTI = 25.34% - Max DTI = 50% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837814 | xxxxxx D A | Closed | xxxxxx | 2025-05-29 15:57 | 2025-06-04 09:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved------Received Lender attestation of no affiliates. - Due Diligence Vendor-06/04/2025 <br> Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. <br> - Due Diligence Vendor-05/29/2025 |  | Resolved------Received Lender attestation of no affiliates. - Due Diligence Vendor-06/04/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO = 731 Min FICO = 680<br>Qualifying DTI below maximum allowed - DTI = 25.34% - Max DTI = 50% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837825 | xxxxxx D A | Closed | xxxxxx | 2025-06-02 12:12 | 2025-06-17 10:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received mortgage statement and corrected 1003 - Due Diligence Vendor-06/17/2025 <br> Counter-Received 1003-figures do not match. PITIA reflects as -$3,716. Clarification required. - Due Diligence Vendor-06/10/2025 <br> Counter-Received mortgage statement-PITIA does not match final 1003, credit report--statement reflects PITIA of $4,132.62 rather than $3,316 - Due Diligence Vendor-06/05/2025 <br> Open-Missing mortgage statement for REO xxxxxx to confirm payment includes escrows. - Due Diligence Vendor-06/02/2025 |  | Resolved-Received mortgage statement and corrected 1003 - Due Diligence Vendor-06/17/2025 | CLTV is less than guidelines maximum - CLTV 78.34% is less than 85% guideline maximum<br>Qualifying FICO score is at least 20 points above minimum for program - 773 FICO score is 20+ points above 700 minimum |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837825 | xxxxxx D A | Closed | xxxxxx | 2025-06-02 09:41 | 2025-06-17 10:39 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Updated income calc including 24 months of income - Due Diligence Vendor-06/10/2025 <br> Counter-1. Received revised EA Letter reflecting 40% expense factor-missing validation of EA license. 2. Bank statement analysis received reflects 12 months-provide corrected worksheet reflecting 24 months. - Due Diligence Vendor-06/05/2025 <br> Open-Audited DTI of 54.17% exceeds Guideline DTI of 50% Non perm residents require 24 month income calculation, lender used on 12 months, audit used 24 months results in lower income - Due Diligence Vendor-06/02/2025 |  | Resolved-Updated income calc including 24 months of income - Due Diligence Vendor-06/10/2025 | CLTV is less than guidelines maximum - CLTV 78.34% is less than 85% guideline maximum<br>Qualifying FICO score is at least 20 points above minimum for program - 773 FICO score is 20+ points above 700 minimum |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837825 | xxxxxx D A | Closed | xxxxxx | 2025-06-02 12:07 | 2025-06-17 10:38 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-Updated income calc including 24 months of income - Due Diligence Vendor-06/10/2025 <br> Counter- Received revised EA Letter reflecting 40% expense factor-missing validation of EA license. 2. Bank statement analysis received reflects 12 months-provide corrected worksheet reflecting 24 months. - Due Diligence Vendor-06/05/2025 <br> Open-ATR: The Lender did not document all ATR Factors DTI exceeds guideline limits-Non perm residents require 24 month income calculation, lender used on 12 months, audit used 24 months. - Due Diligence Vendor-06/02/2025 |  | Resolved-Updated income calc including 24 months of income - Due Diligence Vendor-06/10/2025 | CLTV is less than guidelines maximum - CLTV 78.34% is less than 85% guideline maximum<br>Qualifying FICO score is at least 20 points above minimum for program - 773 FICO score is 20+ points above 700 minimum |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837825 | xxxxxx D A | Closed | xxxxxx | 2025-06-02 12:07 | 2025-06-17 10:38 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Updated income calc including 24 months of income - Due Diligence Vendor-06/10/2025 <br> Counter- Received revised EA Letter reflecting 40% expense factor-missing validation of EA license. 2. Bank statement analysis received reflects 12 months-provide corrected worksheet reflecting 24 months. - Due Diligence Vendor-06/05/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. DTI exceeds guideline limits-Non perm residents require 24 month income calculation, lender used on 12 months, audit used 24 months. - Due Diligence Vendor-06/02/2025 |  | Resolved-Updated income calc including 24 months of income - Due Diligence Vendor-06/10/2025 | CLTV is less than guidelines maximum - CLTV 78.34% is less than 85% guideline maximum<br>Qualifying FICO score is at least 20 points above minimum for program - 773 FICO score is 20+ points above 700 minimum |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837825 | xxxxxx D A | Closed | xxxxxx | 2025-06-02 09:20 | 2025-06-17 10:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received confirmation renewal of EAD has been approved. - Due Diligence Vendor-06/13/2025 <br> Counter-Received I-797C receipt - Category does not reflect as automatic renewal-must meet requirements of guidelines 2.3.1.3. - Due Diligence Vendor-06/10/2025 <br> Open-EAD will expire within six (6) months of loan application does not meet guidelines. - Due Diligence Vendor-06/02/2025 |  | Resolved-Received confirmation renewal of EAD has been approved. - Due Diligence Vendor-06/13/2025 | CLTV is less than guidelines maximum - CLTV 78.34% is less than 85% guideline maximum<br>Qualifying FICO score is at least 20 points above minimum for program - 773 FICO score is 20+ points above 700 minimum |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837883 | xxxxxx D A | Closed | xxxxxx | 2025-07-08 17:08 | 2025-07-14 08:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received HOA. - Due Diligence Vendor-07/14/2025 <br> Open-Missing documentation to support the HOA monthly dues for the departing primary. - Due Diligence Vendor-07/08/2025 |  | Resolved-Received HOA. - Due Diligence Vendor-07/14/2025 | Months Reserves exceed minimum required - 181 months vs. 3 required<br>LTV is less than guideline maximum - 80% LTV vs. max LTV 90% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837928 | xxxxxx D B A C | Closed | xxxxxx | 2025-05-15 15:49 | 2025-05-16 16:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Verification of Rent (VOR) is not required and not listed in overlays. - Due Diligence Vendor-05/16/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Guide silent on housing history, xxxxxx does take into consideration rental history, missing 12 month VOR for current residence. - Due Diligence Vendor-05/15/2025 |  | Resolved-Verification of Rent (VOR) is not required and not listed in overlays. - Due Diligence Vendor-05/16/2025 | Qualifying DTI below maximum allowed - DTI = 26.53% - Max DTI = 50%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 686 Min FICO = 660 |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837928 | xxxxxx D B A C | Closed | xxxxxx | 2025-05-13 14:58 | 2025-05-16 11:29 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Zero (0%) tolerance fees increased by $205.00 without a valid COC in file. Lender credit of $289.00 on final CD. Finding resolved. - Due Diligence Vendor-05/16/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $205.00.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). <br> - Due Diligence Vendor-05/13/2025 |  | Resolved-Zero (0%) tolerance fees increased by $205.00 without a valid COC in file. Lender credit of $289.00 on final CD. Finding resolved. - Due Diligence Vendor-05/16/2025 | Qualifying DTI below maximum allowed - DTI = 26.53% - Max DTI = 50%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 686 Min FICO = 660 |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837928 | xxxxxx D B A C | Closed | xxxxxx | 2025-05-13 14:28 | 2025-05-13 14:28 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-09/22/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-09/22/2025 | Qualifying DTI below maximum allowed - DTI = 26.53% - Max DTI = 50%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 686 Min FICO = 660 |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 837988 | xxxxxx D A | Closed | xxxxxx | 2025-06-03 10:44 | 2025-06-06 12:06 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Received credit report 663 FICO - Due Diligence Vendor-06/06/2025 <br> Open-Audited FICO of is less than Guideline FICO of 640 No credit provided - Due Diligence Vendor-06/03/2025 |  | Resolved-Received credit report 663 FICO - Due Diligence Vendor-06/06/2025 | Months Reserves exceed minimum required - 39 months reserves; 2 months reserves required.<br>Long term residence - 5 Years. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837988 | xxxxxx D A | Closed | xxxxxx | 2025-06-02 15:23 | 2025-06-06 12:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Received borrowers credit report. - Due Diligence Vendor-06/06/2025 <br> Open-Borrower 1 Credit Report is Missing. Missing Initial Credit Report. Additionally, findings may apply upon receipt. - Due Diligence Vendor-06/02/2025 |  | Resolved-Received borrowers credit report. - Due Diligence Vendor-06/06/2025 | Months Reserves exceed minimum required - 39 months reserves; 2 months reserves required.<br>Long term residence - 5 Years. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838120 | xxxxxx D A | Closed | xxxxxx | 2025-05-19 14:48 | 2025-06-03 13:04 | Resolved | 1 - Information C A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-Received revised HO6 - Due Diligence Vendor-05/29/2025 <br> Open-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx Provide prior Policy since the final CD is before the Policy - Due Diligence Vendor-05/19/2025 |  | Resolved-Received revised HO6 - Due Diligence Vendor-05/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 791 is higher than the required 700<br>LTV is less than guideline maximum - LTV 60% is lower than maximum 80% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838120 | xxxxxx D A | Closed | xxxxxx | 2025-05-19 14:48 | 2025-06-03 13:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is not partially provided - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Document Uploaded. Insurance w/ policy #. Manual upload. - Buyer-06/02/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Provide the policy with a policy number since missing - Due Diligence Vendor-05/19/2025 |  | Resolved-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is not partially provided - Due Diligence Vendor-06/03/2025 | Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 791 is higher than the required 700<br>LTV is less than guideline maximum - LTV 60% is lower than maximum 80% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838120 | xxxxxx D A | Closed | xxxxxx | 2025-05-19 14:37 | 2025-05-30 11:54 | Resolved | 1 - Information C A | Credit | Eligibility | Builder in Control of the HOA | Resolved-xxxxxx-hoa confirms association has been turned over. - Due Diligence Vendor-05/30/2025 <br> Open-Builder is in control of HOA - Due Diligence Vendor-05/19/2025 |  | Resolved-xxxxxx-hoa confirms association has been turned over. - Due Diligence Vendor-05/30/2025 | Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 791 is higher than the required 700<br>LTV is less than guideline maximum - LTV 60% is lower than maximum 80% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838120 | xxxxxx D A | Closed | xxxxxx | 2025-05-19 14:37 | 2025-05-30 11:52 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-05/30/2025 <br> Open-Additional valuation product has not been provided. - Due Diligence Vendor-05/19/2025 |  | Resolved-Received secondary valuation. - Due Diligence Vendor-05/30/2025 | Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 791 is higher than the required 700<br>LTV is less than guideline maximum - LTV 60% is lower than maximum 80% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838120 | xxxxxx D A | Closed | xxxxxx | 2025-05-19 14:22 | 2025-05-29 11:47 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-05/29/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing Missing the required completed occupancy and business purpose affidavit - Due Diligence Vendor-05/19/2025 |  | Resolved-Received business purpose affidavit. - Due Diligence Vendor-05/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 791 is higher than the required 700<br>LTV is less than guideline maximum - LTV 60% is lower than maximum 80% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838288 | xxxxxx D A | Closed | xxxxxx | 2025-05-23 10:32 | 2025-05-29 14:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-I-797A provided and issued xxxxxx. - Due Diligence Vendor-05/29/2025 <br> Ready for Review-Document Uploaded. xxxxxx<br>I have attached I-797A – its good thru "Duration of status" (D/S which means a person is permitted to stay in the xxxxxx as long as they maintain their current immigration status, typically for F-1 (student)<br> - Seller-05/27/2025 <br> Open-Guidelines require passport and visa. Only passport and national ID were provided. - Due Diligence Vendor-05/23/2025 | Ready for Review-Document Uploaded. xxxxxx<br>I have attached I-797A – its good thru "Duration of status" (D/S which means a person is permitted to stay in the xxxxxx as long as they maintain their current immigration status, typically for F-1 (student)<br> - Seller-05/27/2025 | Resolved-I-797A provided and issued xxxxxx. - Due Diligence Vendor-05/29/2025 | LTV is less than guideline maximum - Qualifying LTV 70 is less than the guideline max of 75.<br>Months Reserves exceed minimum required - Guides require 6 months reserves and the borrower has 11 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838463 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 838524 | xxxxxx C A | Closed | xxxxxx | 2025-06-24 15:07 | 2025-07-31 09:02 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Previous HOI policy includes extended dwelling coverage for total coverage of xxxxxx. - Due Diligence Vendor-07/31/2025 <br> Counter-Please provided confirmation from the insurance agent that there have been no insurance claims on the property from the time of closing through the effective date of the new policy (xxxxxx-xxxxxx). - Due Diligence Vendor-07/31/2025 <br> Open-Insufficient Coverage Amount for Insured Subject Property. Coverage on policy ending xxxxxx is insufficient to cover the replacement cost estimate. However, coverage on the renewal policy starting xxxxxx is sufficient leaving a lapse of insufficient coverage from xxxxxx note date to the renewal effective date of xxxxxx. - Due Diligence Vendor-06/24/2025 |  | Resolved-Previous HOI policy includes extended dwelling coverage for total coverage of xxxxxx. - Due Diligence Vendor-07/31/2025 | Qualifying DTI below maximum allowed - 39.63% DTI is less than 50% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 783 FICO exceeds 740 minimum required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838524 | xxxxxx C A | Closed | xxxxxx | 2025-06-24 15:49 | 2025-07-31 08:47 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-LOX for credit inquiries provided. - Due Diligence Vendor-07/31/2025 <br> Open-LOX for credit inquiries is missing. Guidelines require that credit inquiries listed on the report within 90 days of the report date must be addressed by the borrower with a letter of explanation. - Due Diligence Vendor-06/24/2025 |  | Resolved-LOX for credit inquiries provided. - Due Diligence Vendor-07/31/2025 | Qualifying DTI below maximum allowed - 39.63% DTI is less than 50% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 783 FICO exceeds 740 minimum required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838524 | xxxxxx C A | Closed | xxxxxx | 2025-06-24 15:03 | 2025-07-31 08:47 | Resolved | 1 - Information C A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-Policy provided indicates it's an owner policy and list the occupancy as owner occupied. - Due Diligence Vendor-07/31/2025 <br> Open-Insurance policy (PDF 183) includes xxxxxx fair rental value coverage indicating a rental property. Loan submitted as cash out 2nd lien for primary residence. - Due Diligence Vendor-06/24/2025 |  | Resolved-Policy provided indicates it's an owner policy and list the occupancy as owner occupied. - Due Diligence Vendor-07/31/2025 | Qualifying DTI below maximum allowed - 39.63% DTI is less than 50% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 783 FICO exceeds 740 minimum required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838524 | xxxxxx C A | Closed | xxxxxx | 2025-06-24 15:46 | 2025-07-18 09:58 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received SAM.gov for the escrow officer. - Due Diligence Vendor-07/18/2025 <br> Open-Fraud Report Shows Uncleared Alerts Missing evidence that high alert for possible match of escrow officer to SAM.gov was cleared. - Due Diligence Vendor-06/24/2025 |  | Resolved-Received SAM.gov for the escrow officer. - Due Diligence Vendor-07/18/2025 | Qualifying DTI below maximum allowed - 39.63% DTI is less than 50% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 783 FICO exceeds 740 minimum required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838963 | xxxxxx C A B | Closed | xxxxxx | 2025-07-22 09:18 | 2025-08-07 08:50 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received final title policy reflecting sufficient coverage. - Due Diligence Vendor-08/07/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Insurance coverage should be xxxxxx title reflects lower amount xxxxxx. - Due Diligence Vendor-07/22/2025 |  | Resolved-Received final title policy reflecting sufficient coverage. - Due Diligence Vendor-08/07/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 810; minimum score 680.<br>Months Reserves exceed minimum required - 6.85 months PITIA reserves; 6 months reserves required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 838963 | xxxxxx C A B | Closed | xxxxxx | 2025-07-18 14:13 | 2025-07-23 13:45 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved- APOR Compliant xxxxxx Subprime- APR on subject loan of 7.805% is within allowable threshold of APOR of 6.77% + 1.75% or 8.52%. - Due Diligence Vendor-07/23/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 7.805% is within allowable threshold of APOR of 6.77% + 1.75% or 8.52%. <br>- Due Diligence Vendor-07/18/2025 |  | Resolved- APOR Compliant xxxxxx Subprime- APR on subject loan of 7.805% is within allowable threshold of APOR of 6.77% + 1.75% or 8.52%. - Due Diligence Vendor-07/23/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 810; minimum score 680.<br>Months Reserves exceed minimum required - 6.85 months PITIA reserves; 6 months reserves required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840631 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 841539 | xxxxxx B A | Closed | xxxxxx | 2025-06-30 13:17 | 2025-06-30 13:17 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-06/30/2025 |  | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-06/30/2025 | Qualifying DTI below maximum allowed - DTI 44.29 max 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying fico score 714; minimum score 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 842125 | xxxxxx C B A | Closed | xxxxxx | 2025-07-14 16:40 | 2025-09-20 16:46 | Waived | 2 - Non-Material C B | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Waived-Client waiver applied to non-material finding with compensating factors. Exception to use 100% of STR with no 20% expense factor. - Due Diligence Vendor-07/30/2025 <br> Counter-Please provide the client approved exception. - Due Diligence Vendor-07/25/2025 <br> Open-The Calculated DSCR of '0.692' is less than the minimum DSCR per lender guidelines of '0.75'. - Due Diligence Vendor-07/14/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. Exception to use 100% of STR with no 20% expense factor. - Due Diligence Vendor-07/30/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 720; qualifying FICO is 759.<br>Months Reserves exceed minimum required - Months reserves required is 12; qualifying reserves is 26.99 months. | Excellent mortgage history since 10/19<br> Credit score 59 points above min<br> 14 months reserves above min required | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 842125 | xxxxxx C B A | Closed | xxxxxx | 2025-07-16 12:12 | 2025-09-20 16:45 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client waiver applied to non-material finding with compensating factors. 5% LTV exception. - Due Diligence Vendor-07/30/2025 <br> Counter-Please provide the client approved exception. - Due Diligence Vendor-07/25/2025 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 65%. DSCR less than 1 (.75 minimum required). Declining value LTV reduction of 5% applied - Due Diligence Vendor-07/16/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. 5% LTV exception. - Due Diligence Vendor-07/30/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 720; qualifying FICO is 759.<br>Months Reserves exceed minimum required - Months reserves required is 12; qualifying reserves is 26.99 months. | Excellent mortgage history since 10/19<br> Credit score 59 points above min<br> 14 months reserves above min required | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 842125 | xxxxxx C B A | Closed | xxxxxx | 2025-07-16 12:08 | 2025-07-22 09:39 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received complete 12 month payment history. - Due Diligence Vendor-07/22/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing evidence of mortgage payments made on subject from 2/25-5/25 for a complete 12 month history - Due Diligence Vendor-07/16/2025 |  | Resolved-Received complete 12 month payment history. - Due Diligence Vendor-07/22/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 720; qualifying FICO is 759.<br>Months Reserves exceed minimum required - Months reserves required is 12; qualifying reserves is 26.99 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842325 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 842399 | xxxxxx D A C | Closed | xxxxxx | 2025-08-04 14:20 | 2025-08-14 10:25 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Legal. - Due Diligence Vendor-08/14/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing attached legal description to DOT. - Due Diligence Vendor-08/04/2025 |  | Resolved-Received Legal. - Due Diligence Vendor-08/14/2025 | Months Reserves exceed minimum required - The Borrower has $21,258.13 (6.6 months) of PITI reserves.<br>Credit history exceeds minimum required - The Borrower has 49 months 0x30 mortgage history, guides require a minimum of 0x30 x12 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842399 | xxxxxx D A C | Closed | xxxxxx | 2025-08-04 13:27 | 2025-08-14 08:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | Escrow Waiver is Missing | Resolved-Received PCCD xxxxxx with escrow information, finding resolved. - Due Diligence Vendor-08/14/2025 <br> Open-Escrow Waiver is Missing Missing escrow waiver, final CD xxxxxx in file does not disclose explanation for escrow being waived. - Due Diligence Vendor-08/04/2025 |  | Resolved-Received PCCD xxxxxx with escrow information, finding resolved. - Due Diligence Vendor-08/14/2025 | Months Reserves exceed minimum required - The Borrower has $21,258.13 (6.6 months) of PITI reserves.<br>Credit history exceeds minimum required - The Borrower has 49 months 0x30 mortgage history, guides require a minimum of 0x30 x12 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842410 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 842420 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 842618 | xxxxxx D A | Closed | xxxxxx | 2025-07-21 18:00 | 2025-08-07 10:44 | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-Review was able to reconcile debts paid by business. - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. 8/5/25 - Please see detailed response from Lender to address excluded debts and where line items can be found on the submitted business bank statements to support excluding. Please note Lender comments regarding adding back xxxxxx #xxxxxx and xxxxxx #xxxxxx back into ratio:<br>- For 2 accounts: xxxxxx # xxxxxx and xxxxxx xxxxxx we didnt exclude these 2 payments and have included them in our ratios. I do have 12 months bank statements for both accounts if need be. For the accounts below I have provided 12 months of the statements to show how much payment was received and can match those payments to the business bank accounts. <br>- For xxxxxx # xxxxxx (xxxxxx on the statement) I have the following payments and all of these payments are located on the business accounts see below for amounts and dates. $35,000 12/14/24, $28,000 10/19/24, $10,000 11/15/24, $16,127.37 11/20/24, $29,159.95 9/19/24, $5,000 2/1/25, $7,900 2/7/25 $24,337.07 2/15/25, $19,000 8/19/24, $21,488.95 5/19/24, $24,052.55 6/19/24, $31,122.32 3/19/25, $10,000 12/29/24, $15,772.27 1/16/25, $19,311.26 7/19/24, $5,000 4/9/25, $10,000 4/10/25, $12,000 4/19/25, <br>- For xxxxxx # xxxxxx. The business wrote a check to the xxxxxx account that check was deposited, and the same payment was made to the loan. See the amounts and checks below. $1,600 4/29/25(xxxxxx), $1,500 12/30/24(xxxxxx), $1,200 7/26/24(xxxxxx), $1,400 6/26/24(xxxxxx), $1,200 5/24/24(xxxxxx), $1,400 8/31/24(xxxxxx), $1,500 10/25/24(xxxxxx), $1,500 2/24/25(xxxxxx), $1,500 11/27/24(xxxxxx), $1,400 3/31/25(xxxxxx from reverse of xxxxxx), $1,500 1/30/25(xxxxxx), $1,500 9/30/24(xxxxxx) <br>- For xxxxxx # xxxxxx the following payments were made from the business account for $719.24 4/3/25, 3/3/25, 2/3/25, 1/3/25, 12/3/24, 11/4/24, 10/3/24, 9/3/24, 8/5/24, 7/3/24, 6/3/24, 5/3/24 <br>- For xxxxxx # xxxxxx the following payments were made from the business account $240 4/17/25, $222 3/18/25, $240 2/18/25, $240 1/17/25, $231 12/17/24, $241 11/18/24, $236 10/17/24, $241 9/17/24, $249 8/19/24, $235 7/17/24, $248 6/18/24, $250 5/17/24, <br>- For xxxxxx # xxxxxx (xxxxxx per statement) the following payments were made from the business account $1,500 4/24/25, $500 5/1/24, $500 5/7/24, $500 5/20/24, $500 5/25/24, $500 5/30/24, $500 6/7/24, $500 4/7/25, $1,000 2/21/25, $1,000 2/27/25, $500 3/7/25, $3,000 3/13/25, $1,000 7/17/24, $2,000 7/20/24, $500 8/7/24 $500 8/9/24, $1,500 1/17/25, $500 2/7/25, $1,000 2/8/25, $500 6/14/24, $500 7/1/24, $500 7/8/24, $1,000 7/13/24, $2,000 12/23/24, $500 1/7/25 <br>- For xxxxxx # xxxxxx this installment loan has 6.5 payments remaining but the following payments were made from the business account for $597.49 4/9/25, 3/10/25, 2/10/25, 1/9/25, 12/9/24, 11/12/24, 10/9/24, 9/9/24, 8/9/24, 7/9/24, 6/10/24, 5/9/24 - Seller-08/05/2025 <br> Counter-Received confirmation debts paid by business-review is unable to locate all debts considered in business bank statement. - Due Diligence Vendor-07/30/2025 <br> Open-Per the final 1003, several debts were not included in the DTI. Missing suporting documentation that the debta are paid prior to closing or they are paid by another person or the business. - Due Diligence Vendor-07/21/2025 | Ready for Review-Document Uploaded. 8/5/25 - Please see detailed response from Lender to address excluded debts and where line items can be found on the submitted business bank statements to support excluding. Please note Lender comments regarding adding back xxxxxx #xxxxxx and xxxxxx #xxxxxx back into ratio:<br>- For 2 accounts: xxxxxx # xxxxxx and xxxxxx xxxxxx we didnt exclude these 2 payments and have included them in our ratios. I do have 12 months bank statements for both accounts if need be. For the accounts below I have provided 12 months of the statements to show how much payment was received and can match those payments to the business bank accounts. <br>- For xxxxxx # xxxxxx on the statement) I have the following payments and all of these payments are located on the business accounts see below for amounts and dates. $35,000 12/14/24, $28,000 10/19/24, $10,000 11/15/24, $16,127.37 11/20/24, $29,159.95 9/19/24, $5,000 2/1/25, $7,900 2/7/25 $24,337.07 2/15/25, $19,000 8/19/24, $21,488.95 5/19/24, $24,052.55 6/19/24, $31,122.32 3/19/25, $10,000 12/29/24, $15,772.27 1/16/25, $19,311.26 7/19/24, $5,000 4/9/25, $10,000 4/10/25, $12,000 4/19/25, <br>- For xxxxxx # xxxxxx. The business wrote a check to the xxxxxx account that check was deposited, and the same payment was made to the loan. See the amounts and checks below. $1,600 4/29/25(xxxxxx, $1,500 12/30/24(xxxxxx), $1,200 7/26/24(xxxxxx), $1,400 6/26/24(xxxxxx), $1,200 5/24/24(xxxxxx), $1,400 8/31/24(xxxxxx), $1,500 10/25/24(xxxxxx), $1,500 2/24/25(xxxxxx), $1,500 11/27/24(xxxxxx), $1,400 3/31/25(xxxxxx from reverse of xxxxxx), $1,500 1/30/25(xxxxxx), $1,500 9/30/24(xxxxxx) <br>- For xxxxxx # xxxxxx the following payments were made from the business account for $719.24 4/3/25, 3/3/25, 2/3/25, 1/3/25, 12/3/24, 11/4/24, 10/3/24, 9/3/24, 8/5/24, 7/3/24, 6/3/24, 5/3/24 <br>- For xxxxxx # xxxxxx the following payments were made from the business account $240 4/17/25, $222 3/18/25, $240 2/18/25, $240 1/17/25, $231 12/17/24, $241 11/18/24, $236 10/17/24, $241 9/17/24, $249 8/19/24, $235 7/17/24, $248 6/18/24, $250 5/17/24, <br>- For xxxxxx # xxxxxx per statement) the following payments were made from the business account $1,500 4/24/25, $500 5/1/24, $500 5/7/24, $500 5/20/24, $500 5/25/24, $500 5/30/24, $500 6/7/24, $500 4/7/25, $1,000 2/21/25, $1,000 2/27/25, $500 3/7/25, $3,000 3/13/25, $1,000 7/17/24, $2,000 7/20/24, $500 8/7/24 $500 8/9/24, $1,500 1/17/25, $500 2/7/25, $1,000 2/8/25, $500 6/14/24, $500 7/1/24, $500 7/8/24, $1,000 7/13/24, $2,000 12/23/24, $500 1/7/25 <br>- For xxxxxx # xxxxxx this installment loan has 6.5 payments remaining but the following payments were made from the business account for $597.49 4/9/25, 3/10/25, 2/10/25, 1/9/25, 12/9/24, 11/12/24, 10/9/24, 9/9/24, 8/9/24, 7/9/24, 6/10/24, 5/9/24 - Seller-08/05/2025 | Resolved-Review was able to reconcile debts paid by business. - Due Diligence Vendor-08/07/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 736. <br>Months Reserves exceed minimum required - 0 months reserves req'd- Borrower has 30.59 mths in reserves. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842618 | xxxxxx D A | Closed | xxxxxx | 2025-07-18 19:07 | 2025-08-07 10:43 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Review was able to reconcile debts paid by business. Audited DTI of 37.27% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. 8/5/25 - Lender response: Please see the 12 months showing business pays the debts. Manually uploaded in xxxxxx due to Counter condition issues. - Seller-08/05/2025 <br> Open-Audited DTI of 85.88% exceeds Guideline DTI of 50% The calculated DTI is 85.88% which exceeds the maximum allowedf of 50%. lender did not include the senior lien P&I. - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. 8/5/25 - Lender response: Please see the 12 months showing business pays the debts. Manually uploaded in xxxxxx due to Counter condition issues. - Seller-08/05/2025 | Resolved-Review was able to reconcile debts paid by business. Audited DTI of 37.27% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-08/07/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 736. <br>Months Reserves exceed minimum required - 0 months reserves req'd- Borrower has 30.59 mths in reserves. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842618 | xxxxxx D A | Closed | xxxxxx | 2025-07-18 18:27 | 2025-08-07 10:36 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received AVM with a FSD score of .07 - Due Diligence Vendor-07/30/2025 <br> Open-Appraisal is Missing Subject is a closed end second provide one of the following 1.Missing the AVM from an approved vendor with and accerptable FSD score and a new property conditions report, 2.Exterior drive by appraisal, 3.New appraisal, 4.prior 1st lien appraisal dated with 12 months of subject loan date with a new property condition and a recertification of value or a 5. Broker Price opinion from an approved vendor. - Due Diligence Vendor-07/18/2025 |  | Resolved-Received AVM with a FSD score of .07 - Due Diligence Vendor-07/30/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 736. <br>Months Reserves exceed minimum required - 0 months reserves req'd- Borrower has 30.59 mths in reserves. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842618 | xxxxxx D A | Closed | xxxxxx | 2025-07-18 18:27 | 2025-08-07 10:36 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Additional valuation product is provided, or Applicable - Due Diligence Vendor-08/07/2025 <br> Ready for Review-8/5/25 - please see 2nd AVM. Manually uploaded in xxxxxx due to Counter condition issues. - Buyer-08/05/2025 <br> Counter-Received duplicate AVM and PCI-documentation is insufficient-original finding remains. - Due Diligence Vendor-07/30/2025 <br> Open-Additional valuation product has not been provided. Missing the secondary vlauation product. acceptable products are 1.CU or LCA score of 2.5 or less. 2.An enhanced desk review from an approved vendor. 3. An AVM from an approved vendor - Due Diligence Vendor-07/18/2025 |  | Resolved-Additional valuation product is provided, or Applicable - Due Diligence Vendor-08/07/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 736. <br>Months Reserves exceed minimum required - 0 months reserves req'd- Borrower has 30.59 mths in reserves. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842618 | xxxxxx D A | Closed | xxxxxx | 2025-07-18 18:42 | 2025-08-07 10:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received SOS confirming good standing. - Due Diligence Vendor-07/30/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing Self Employed VOE. - Due Diligence Vendor-07/18/2025 |  | Resolved-Received SOS confirming good standing. - Due Diligence Vendor-07/30/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 736. <br>Months Reserves exceed minimum required - 0 months reserves req'd- Borrower has 30.59 mths in reserves. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842618 | xxxxxx D A | Closed | xxxxxx | 2025-07-18 18:42 | 2025-08-07 10:31 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 1 Income Trend is Decreasing | Resolved-Received notes-7/29/25 - Lender response: Income analysis - the 2023 sales was $159,917 and the 2024 sales were $161,532 the expenses rose from $48,011 to $90,664. Income was lower due to increase in expenses. <br> Gross sales are stable with slight increase in 2024-income is stable. - Due Diligence Vendor-07/30/2025 <br> Open-Income 1 Income Trend is Decreasing Missing explanation for the decrease in the income from 2023 to 2024. - Due Diligence Vendor-07/18/2025 |  | Resolved-Received notes-7/29/25 - Lender response: Income analysis - the 2023 sales was $159,917 and the 2024 sales were $161,532 the expenses rose from $48,011 to $90,664. Income was lower due to increase in expenses. <br> Gross sales are stable with slight increase in 2024-income is stable. - Due Diligence Vendor-07/30/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 736. <br>Months Reserves exceed minimum required - 0 months reserves req'd- Borrower has 30.59 mths in reserves. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842618 | xxxxxx D A | Closed | xxxxxx | 2025-07-18 19:13 | 2025-07-25 10:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received Final signed 1003 reflecting the subject as a primary residence. - Due Diligence Vendor-07/25/2025 <br> Open-The final 1003 shows the subject (property xxxxxx) as "investment", it's the borrower's primary. - Due Diligence Vendor-07/18/2025 |  | Resolved-Received Final signed 1003 reflecting the subject as a primary residence. - Due Diligence Vendor-07/25/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 736. <br> Months Reserves exceed minimum required - 0 months reserves req'd- Borrower has 30.59 mths in reserves. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842926 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |

---

## Exhibit 99.18

**EXHIBIT 99.18**

**CLARIFII RATING AGENCY GRADES SUMMARY REPORT**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **Initial Credit Loan Grades Moody's** | **Initial Compliance Loan Grades Moody's** | **Initial Property Loan Grades Moody's** | **Initial Overall Loan Grades Moody's** | **Final Credit Loan Grades Moody's** | **Final Compliance Loan Grades Moody's** | **Final Property Loan Grades Moody's** | **Final Overall Loan Grades Moody's** |
| 775451 | xxxxxx | xxxxxx D | D A | A C | C D | D A | A | A | A | A |
| 776282 | xxxxxx | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 776650 | xxxxxx | xxxxxx B | B D | D A | A D | D B | B A | A | A B | B |
| 776657 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 776666 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 776671 | xxxxxx | xxxxxx D | D | D A | A D | D B | B A | A | A B | B |
| 776686 | xxxxxx | xxxxxx D | D A | A D | D | D B | B A | A | A B | B |
| 776718 | xxxxxx | xxxxxx D | D B | B A | A D | D B | B | B A | A B | B |
| 776719 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 776741 | xxxxxx | xxxxxx D | D B | B A | A D | D B | B | B A | A B | B |
| 776777 | xxxxxx | xxxxxx D | D B | B A | A D | D B | B | B A | A B | B |
| 776782 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 776788 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 777778 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 777945 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 777984 | xxxxxx | xxxxxx C | C B | B A | A C | C B | B | B A | A B | B |
| 777985 | xxxxxx | xxxxxx B | B | B A | A B | B | B | B A | A B | B |
| 777996 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 777999 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 778003 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 778004 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 778176 | xxxxxx | xxxxxx D | D | D A | A D | D B | B A | A | A B | B |
| 778714 | xxxxxx | xxxxxx C | C | C A | A C | C B | B A | A | A B | B |
| 778717 | xxxxxx | xxxxxx D | D C | C A | A D | D B | B A | A | A B | B |
| 778730 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 778755 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 778759 | xxxxxx | xxxxxx C | C D | D A | A D | D B | B | B A | A B | B |
| 778789 | xxxxxx | xxxxxx D | D | D A | A D | D B | B | B A | A B | B |
| 778924 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 779171 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 779606 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 779621 | xxxxxx | xxxxxx D | D B | B A | A D | D B | B | B A | A B | B |
| 780148 | xxxxxx | xxxxxx D | D A | A D | D | D B | B A | A | A B | B |
| 780178 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 780200 | xxxxxx | xxxxxx D | D B | B A | A D | D B | B | B A | A B | B |
| 780221 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 780309 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 780552 | xxxxxx | xxxxxx D | D B | B A | A D | D B | B | B A | A B | B |
| 780598 | xxxxxx | xxxxxx D | D | D A | A D | D B | B | B A | A B | B |
| 780714 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 780985 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 781086 | xxxxxx | xxxxxx D | D C | C A | A D | D B | B A | A | A B | B |
| 781148 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 781288 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 781308 | xxxxxx | xxxxxx D | D C | C | C D | D B | B | B | B | B |
| 781324 | xxxxxx | xxxxxx D | D A | A C | C D | D B | B A | A | A B | B |
| 781349 | xxxxxx | xxxxxx C | C A | A C | C | C B | B A | A | A B | B |
| 781762 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 782250 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 782622 | xxxxxx | xxxxxx A | A | A C | C | C A | A | A | A | A |
| 782627 | xxxxxx | xxxxxx D | D A | A B | B D | D B | B A | A B | B | B |
| 782648 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 782718 | xxxxxx | xxxxxx D | D A | A D | D | D B | B A | A | A B | B |
| 782775 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 782973 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 783505 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 783727 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 783752 | xxxxxx | xxxxxx D | D C | C B | B D | D A | A | A B | B | B |
| 783763 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 783869 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 783885 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 783900 | xxxxxx | xxxxxx D | D | D C | C D | D A | A | A | A | A |
| 783910 | xxxxxx | xxxxxx C | C | C A | A C | C B | B | B A | A B | B |
| 784023 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 784122 | xxxxxx | xxxxxx D | D C | C A | A D | D B | B A | A | A B | B |
| 784229 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 784600 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 784656 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 785358 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 785502 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 785696 | xxxxxx | xxxxxx A | A | A B | B | B A | A | A B | B | B |
| 785720 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 785891 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 786025 | xxxxxx | xxxxxx B | B | B A | A B | B | B | B A | A B | B |
| 786085 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 786091 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 786106 | xxxxxx | xxxxxx B | B A | A B | B | B | B A | A B | B | B |
| 786121 | xxxxxx | xxxxxx D | D A | A B | B D | D B | B A | A B | B | B |
| 786122 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 786156 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 786183 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 786242 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 786257 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 786371 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 786540 | xxxxxx | xxxxxx D | D A | A C | C D | D B | B A | A | A B | B |
| 786797 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 786855 | xxxxxx | xxxxxx A | A | A C | C | C A | A | A B | B | B |
| 786992 | xxxxxx | xxxxxx C | C D | D A | A D | D B | B | B A | A B | B |
| 787100 | xxxxxx | xxxxxx C | C A | A B | B C | C B | B A | A B | B | B |
| 790415 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 790416 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 790516 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 790523 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 790570 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 790595 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 790615 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 790675 | xxxxxx | xxxxxx B | B | B A | A B | B | B | B A | A B | B |
| 790712 | xxxxxx | xxxxxx D | D C | C A | A D | D B | B A | A | A B | B |
| 790872 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 790922 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 791176 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 791181 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 791196 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 791207 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 791271 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 791308 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 791362 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 791373 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 791386 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 791405 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 791458 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 791497 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 791498 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 791502 | xxxxxx | xxxxxx C | C A | A B | B C | C B | B A | A B | B | B |
| 791511 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 791609 | xxxxxx | xxxxxx B | B A | A C | C | C B | B A | A | A B | B |
| 791636 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 791692 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 791859 | xxxxxx | xxxxxx D | D B | B A | A D | D B | B | B A | A B | B |
| 791993 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 792004 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 792186 | xxxxxx | xxxxxx B | B | B | B | B | B | B | B | B |
| 792303 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 792377 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 792475 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 792515 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 792524 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 792525 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 792752 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 792795 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 792799 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 792939 | xxxxxx | xxxxxx B | B | B A | A B | B | B | B A | A B | B |
| 793064 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 793088 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 793130 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 793142 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 793179 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 793274 | xxxxxx | xxxxxx D | D B | B A | A D | D B | B A | A | A B | B |
| 793354 | xxxxxx | xxxxxx B | B C | C A | A C | C B | B | B A | A B | B |
| 793539 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 793733 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 793736 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 793899 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 793966 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 794132 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 794191 | xxxxxx | xxxxxx C | C B | B A | A C | C B | B | B A | A B | B |
| 794434 | xxxxxx | xxxxxx B | B | B A | A B | B | B | B A | A B | B |
| 794856 | xxxxxx | xxxxxx B | B A | A | A B | B A | A | A | A | A |
| 794911 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 794932 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 794987 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 795450 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 795736 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 795916 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 795941 | xxxxxx | xxxxxx D | D C | C A | A D | D B | B A | A | A B | B |
| 795965 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 795981 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 796010 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 796053 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 796100 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 796111 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 796141 | xxxxxx | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 796199 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 796237 | xxxxxx | xxxxxx C | C D | D A | A D | D A | A | A | A | A |
| 796443 | xxxxxx | xxxxxx D | D A | A B | B D | D B | B A | A | A B | B |
| 796449 | xxxxxx | xxxxxx D | D | D A | A D | D A | A | A | A | A |
| 796527 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 796538 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 796551 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 796616 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 796636 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 796815 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 796821 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 796855 | xxxxxx | xxxxxx D | D B | B | B D | D A | A B | B | B | B |
| 796863 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 796865 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 796891 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 796918 | xxxxxx | xxxxxx D | D | D A | A D | D A | A B | B A | A B | B |
| 796991 | xxxxxx | xxxxxx B | B A | A | A B | B A | A | A | A | A |
| 797166 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 797170 | xxxxxx | xxxxxx C | C B | B A | A C | C B | B | B A | A B | B |
| 797273 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 797321 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 797432 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 797683 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 797798 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 797803 | xxxxxx | xxxxxx B | B D | D A | A D | D B | B A | A | A B | B |
| 797810 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 797937 | xxxxxx | xxxxxx B | B | B A | A B | B | B | B A | A B | B |
| 798154 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 798339 | xxxxxx | xxxxxx A | A B | B C | C | C A | A B | B A | A B | B |
| 798357 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 798404 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 798481 | xxxxxx | xxxxxx B | B | B A | A B | B A | A B | B A | A B | B |
| 798549 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 798609 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 798720 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 798892 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 798970 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 799087 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 799093 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 799115 | xxxxxx | xxxxxx B | B C | C A | A C | C B | B | B A | A B | B |
| 799410 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 799429 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 799432 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 799449 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 799450 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 799462 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 799567 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 799616 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 799831 | xxxxxx | xxxxxx A | A | A C | C | C A | A | A | A | A |
| 799849 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 802994 | xxxxxx | xxxxxx D | D C | C D | D | D A | A | A | A | A |
| 803021 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 803064 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 803267 | xxxxxx | xxxxxx B | B D | D A | A D | D B | B A | A | A B | B |
| 803308 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 803573 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 803587 | xxxxxx | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 803844 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 803984 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 803997 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 804021 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 804027 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 804051 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 804103 | xxxxxx | xxxxxx C | C D | D A | A D | D B | B A | A | A B | B |
| 808236 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 808347 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 808394 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 808494 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 808541 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 808798 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 808872 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 808878 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 809267 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 809271 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 829912 | xxxxxx | xxxxxx C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B |
| 831565 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A | A | A | A |
| 831627 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 836028 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 836319 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 836564 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 836569 | xxxxxx | xxxxxx C | N/A C | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 836620 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 836624 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836695 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 836750 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 836783 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 836856 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836934 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 836958 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836965 | xxxxxx | xxxxxx D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 836966 | xxxxxx | xxxxxx C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 836967 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 836974 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 837040 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 837054 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 837069 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 837078 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 837139 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 837219 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 837316 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 837345 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 837346 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 837387 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 837459 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 837465 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 837468 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 837558 | xxxxxx | xxxxxx C | C | C A | A C | C B | B A | A | A B | B |
| 837609 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 837814 | xxxxxx | xxxxxx A | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 837825 | xxxxxx | xxxxxx D | N/A D | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 837883 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 837928 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A B | B A | A B | B |
| 837988 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 838120 | xxxxxx | xxxxxx D | D A | A D | D | D A | A | A | A | A |
| 838288 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 838463 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 838524 | xxxxxx | xxxxxx C | N/A C | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 838963 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A | A | A | A |
| 840631 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 841539 | xxxxxx | xxxxxx A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B |
| 842125 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 842325 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 842399 | xxxxxx | xxxxxx C | N/A C D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 842410 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 842420 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 842618 | xxxxxx | xxxxxx D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 842926 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.19

**EXHIBIT 99.19**

**CLARIFII DATA COMPARE REPORT**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 792795 | xxxxxx | xxxxxx | Total Qualified Assets Available For Reserves | assetPage | 173392.87 | 340200.66 | Lender reserves amount includes gift funds which is not allowed |
| 792799 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 89.09 | 6.00 | Per final CD cash to Borrower ; Tape reflect reserves required per guide. |
| 793064 | xxxxxx | xxxxxx | Required Subject Property Reserves Amount | assetPage | 26417.85 | 96865.56 | Per guide require 3 months reserves. |
| 793966 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 67.87 | 0.00 | Cash out proceeds were used for reserves. |
| 794191 | xxxxxx | xxxxxx | Required Subject Property Reserves Amount | assetPage | 0 | 24954.78 | No reserves required, source of tape unknown. |
| 794911 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 6.17 | 12.00 | 6 months calculated reserves. |
| 794911 | xxxxxx | xxxxxx | Total Qualified Assets Available For Reserves | assetPage | 170724.53 | 218588.07 | 6 months calculated reserves. |
| 794987 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 16.52 | -3.00 | Per verified assets provided after closing funds were wired to title. |
| 794987 | xxxxxx | xxxxxx | Total Qualified Assets Available For Reserves | assetPage | 219214.67 | 301793.26 | Per verified assets provided after closing funds were wired to title. |
| 795450 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 50.61 | 48.00 | Per Settlement Statement Cash to borrower. |
| 795736 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 37.62 | 6.00 | Per assets in file. |
| 796865 | xxxxxx | xxxxxx | Total Qualified Assets Available For Reserves | assetPage | 98417.98 | 56417.98 | Includes Gift Funds. |
| 798154 | xxxxxx | xxxxxx | Total Qualified Assets Available For Reserves | assetPage | 34707.49 | 184707.49 | Per assets in file |
| 798154 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 8.11 | 46.00 | Per assets documents provided |
| 799410 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 5.97 | 6.00 | Borrower slightly short reserves |
| 803844 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 43.99 | 51.00 | per audit, EMD was not verified. |
| 803844 | xxxxxx | xxxxxx | Total Qualified Assets Available For Reserves | assetPage | 240991.63 | 241041.63 | per audit |
| 804103 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 23.3 | 30.00 | per assets in file |
| 808494 | xxxxxx | xxxxxx | Total Qualified Assets Available For Reserves | assetPage | 674375.93 | 189967.97 | Per bank statements in file. |
| 808494 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 12.73 | 13.00 | Per bank statements in file |
| 837316 | xxxxxx | xxxxxx | Loan Program | businessPurposeApprovalandGuidelinePage | HEM_Foreign National | Noni 4.1.25 | Borrower is a foreign national. |
| 837459 | xxxxxx | xxxxxx | Loan Program | businessPurposeApprovalandGuidelinePage | HEM_NONI58 | Noni 12.1.24 | Noni does not cover mixed use properties. Used Noni58. |
| 786540 | xxxxxx | xxxxxx | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | 222304.16 | 5000.00 | Per HUD |
| 786540 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | per ALTA Settlement Statement in file |
| 793064 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Post close CD reflect closing date xxxxxx |
| 793733 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per settlement statement in file. |
| 836974 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final Closing Statement. |
| 836974 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final Closing Statement. |
| 786540 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | per 1003. Tape data source is unknown |
| 804021 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Initial 1003 |
| 777945 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 737 | 749 | Per Credit Report. |
| 782250 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 798 | 751 | Per Credit Report. |
| 782973 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 739 | 747 | Per Credit Report. |
| 784023 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 796 | 702 | Per Credit Report. |
| 791386 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 717 | 712 | Per Credit Report. |
| 792475 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 801 | 785 | Per Credit Report. |
| 793539 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 702 | 700 | Per Credit Report. |
| 795450 | xxxxxx | xxxxxx | B1 Credit Report Date | creditLiabilitiesPage | 07-31-2023 | 06/07/2023 | Per Credit Report. |
| 795916 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 719 | 718 | Per Credit Report. |
| 797170 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 787 | 778 | Per Credit Report. |
| 797321 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 772 | 760 | Per Credit Report. |
| 798154 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 658 | 0 | Primary borrowers mid score was used. |
| 798970 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 637 | 634 | Per Credit Report. |
| 804103 | xxxxxx | xxxxxx | B1 Credit Report Date | creditLiabilitiesPage | 01-12-2024 | 12/13/2023 | per credit report (Order & release date) |
| 808541 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 802 | 788 | Per Credit Report. |
| 831565 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 796 | 812 | Per Credit Report. |
| 837609 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 689 | 700 | Per Credit Report. |
| 837988 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 663 | 684 | Per Credit Report. |
| 795450 | xxxxxx | xxxxxx | Property County | deedOfTrustPage | xxxxxx | xxxxxx | Per Deed of Trust |
| 804021 | xxxxxx | xxxxxx | MIN No | deedOfTrustPage | xxxxxx | xxxxxx | Per Deed of Trust |
| 776666 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 27.76 | 31.48 | DTI of 1008 consistent with diligence, tape source unknown |
| 776777 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 89.78 | 86.34 | Loan Amount / Sales Price per final CD. |
| 776777 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 17.7 | 12.33 | Removal of 1 income source as documented by seller. |
| 776777 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 89.78 | 86.34 | Loan Amount / Sales Price per final CD. |
| 776788 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 20.36 | 10.36 | Due to removal of secondary income source due to aged documents. |
| 780148 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.07 | 33.00 | Lender did not use updated payment amounts from gap credit report per 1008. |
| 780178 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 69.6 | 70.00 | Loan amount /sales price. |
| 780178 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 69.6 | 70.00 | Loan amount /sales price. |
| 780200 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.82 | 45.00 | Audit DTI is consistent with 1008 in file. Unable to determine source of tape data. |
| 780552 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 58.2 | 23.70 | Unable to determine source of tape DTI. Audit DTI appears in line with seller approval |
| 780598 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 12.72 | 36.00 | Tape source unknown. |
| 781148 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.73 | 24.01 | Audit DTI is consistent with 1008 in file. Unable to determine source of tape data. |
| 781324 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.29 | 21.28 | Audited income lower than lender, see income calc. worksheet. |
| 782250 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 29.08 | 38.80 | Audit DTI is consistent with 1008 in file. Unable to determine source of tape data. |
| 782622 | xxxxxx | xxxxxx | Qualifying CLTV | diligenceFinalLookPage | 75 | 72.58 | Audit used purchase price and tape used higher appraised value |
| 782622 | xxxxxx | xxxxxx | Qualifying LTV | diligenceFinalLookPage | 75 | 72.58 | Audit used purchase price and tape used higher appraised value |
| 782775 | xxxxxx | xxxxxx | QM Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 18.54 | 10.75 | Audit calculated lower and higher debts. |
| 782973 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.12 | 16.68 | Audit DTI is consistent with 1008 in file. Unable to determine source of tape data. |
| 783505 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.64 | 42.54 | Audit DTI is consistent with 1008 in file. Unable to determine source of tape data. |
| 783727 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.56 | 32.41 | Audit DTI qualified with full rental payment for REO owned and lender used rental income which was not documented in file. |
| 783900 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.49 | 45.00 | Audit DTI is consistent with 1008 in file. Unable to determine source of tape data. |
| 784023 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.91 | 27.86 | Audit DTI is consistent with 1008 in file. Unable to determine source of tape data. |
| 785358 | xxxxxx | xxxxxx | QM Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.78 | 31.702 | DTI of 1008 consistent with diligence, tape source unknown |
| 785696 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 28.11 | 25.37 | Audit DTI is consistent with 1008 in file. Unable to determine source of tape data. |
| 785720 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.43 | 19.47 | Audit DTI is consistent with 1008 in file. Unable to determine source of tape data. |
| 786257 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.44 | 26.61 | Audit DTI is consistent with 1008 in file. Unable to determine source of tape data. |
| 786371 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.98 | 34.50 | Audit DTI is consistent with 1008 in file. Unable to determine source of tape data. |
| 786797 | xxxxxx | xxxxxx | Prepayment Penalty | diligenceFinalLookPage | Yes | No | Audit value per prepay addendum to note and Prepay Rider to Deed of Trust. |
| 790516 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.26 | 37.00 | Audit DTI is consistent with 1008 in file. Unable to determine source of tape data. |
| 790523 | xxxxxx | xxxxxx | Reviewed Total Housing Expense PITIA | diligenceFinalLookPage | xxxxxx | xxxxxx | IRS State and Federal tax lien payments were included in calculation |
| 790595 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.66 | 27.07 | Audit DTI is consistent with 1008 in file. Unable to determine source of tape data. |
| 790615 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.57 | 39.20 | Audit DTI is consistent with 1008 in file. Unable to determine source of tape data. |
| 790675 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.53 | 48.00 | Audit DTI is consistent with 1008 in file. Unable to determine source of tape data. |
| 790872 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.1 | 42.00 | Audit DTI is consistent with 1008 in file. Unable to determine source of tape data. |
| 790922 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.53 | 42.00 | Audit DTI is consistent with 1008 in file. Unable to determine source of tape data. |
| 791176 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 0.813 | 0.79 | Market rent / ITIA. |
| 791196 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 30.16 | 14.00 | Audit DTI is consistent with 1008 in file. Unable to determine source of tape data. |
| 791207 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.96 | 38.00 | Audit PITI payment on subject is consistent to what is shown on final 1003. 1008 sources unsupported by documentation in file. |
| 791373 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.2 | 28.43 | Audit DTI is consistent with 1008 in file. Unable to determine source of tape data. |
| 791386 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.14 | 28.32 | Audit DTI is consistent with 1008 in file. Unable to determine source of tape data. |
| 791458 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.92 | 48.00 | Audit DTI is consistent with 1008 in file. Unable to determine source of tape data. |
| 791636 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 8.73 | 40.00 | Audit DTI is consistent with 1008 in file. Unable to determine source of tape data. |
| 792377 | xxxxxx | xxxxxx | QM Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 1.09 | 1.07 | variance as PITIA include HOA payment. |
| 792752 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 5.78 | 8.09 | Audit DTI is consistent with 1008 in file. Unable to determine source of tape data. |
| 793179 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 55.98 | 48.56 | Audit included base income using currency converter provided, all debt from credit report, and taxes from tax cert. |
| 793539 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.14 | 39.97 | Lender did not enter property assessment into housing payment of subject. |
| 793736 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 27.44 | 22.81 | Audit DTI is consistent with 1008 in file. Unable to determine source of tape data. |
| 793966 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.33 | 1.36 | Variance is due to the documented Hazard Insurance premium being higher than what lender used |
| 794911 | xxxxxx | xxxxxx | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | O/O purchase-Not QM exempt |
| 794932 | xxxxxx | xxxxxx | QM Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.54 | 42.561 | DTI of 1008 consistent with diligence, tape source unknown |
| 795736 | xxxxxx | xxxxxx | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | ATR/QM: Exempt | Not an investment property |
| 795965 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.31 | 45.10 | Audit DTI is consistent with 1008 in file. Unable to determine source of tape data. |
| 796010 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 23.56 | 20.18 | Audit value based on P&L and was slightly less than 1008 value. |
| 796199 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.55 | 26.00 | Audit DTI is consistent with 1008 in file. Unable to determine source of tape data. |
| 796443 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.25 | 13.43 | Audit DTI is consistent with 1008 in file. Unable to determine source of tape data. |
| 796551 | xxxxxx | xxxxxx | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | O/O Purchase-not Exempt |
| 796616 | xxxxxx | xxxxxx | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | ATR/QM: Exempt | Audit value per purchase of primary. |
| 796616 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.69 | 45.90 | Audit P&I at 8.75% and approval at 9.875% |
| 796636 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 26.28 | 24.00 | Audit DTI is consistent with 1008 in file. Unable to determine source of tape data. |
| 796815 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.06 | 36.90 | Missing proof of sale for other REO. Audit counted into DTI. |
| 796865 | xxxxxx | xxxxxx | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Primary Residence Purchase. |
| 796918 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.23 | 43.49 | Audit DTI is consistent with 1008 in file. Unable to determine source of tape data. |
| 797166 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 22.31 | 43.00 | Audit DTI is consistent with 1008 in file. Unable to determine source of tape data. |
| 797170 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.1 | 27.23 | Audit DTI is consistent with 1008 in file. Unable to determine source of tape data. |
| 797798 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.11 | 39.79 | Audit DTI is consistent with 1008 in file. Unable to determine source of tape data. |
| 798154 | xxxxxx | xxxxxx | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Purchase of a primary residence. |
| 798339 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.51 | 28.84 | Audit DTI is consistent with 1008 in file. Unable to determine source of tape data. |
| 798357 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 30 | 37.16 | Audit DTI is consistent with 1008 in file. Unable to determine source of tape data. |
| 798404 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.11 | 30.00 | Audit DTI is consistent with 1008 in file. Unable to determine source of tape data. |
| 798481 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.24 | 1.00 | Audit DTI is consistent with 1008 in file. Unable to determine source of tape data. |
| 798720 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.32 | 35.00 | Audit DTI is consistent with 1008 in file. Unable to determine source of tape data. |
| 798970 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 51.41 | 45.00 | Audit included debt from gap report (not paid off at closing) - prior CBR was zero balance |
| 799410 | xxxxxx | xxxxxx | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Primary not exempt |
| 799449 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.68 | 40.00 | Audit DTI is consistent with 1008 in file. Unable to determine source of tape data. |
| 799450 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.57 | 40.00 | Audit DTI is consistent with 1008 in file. Unable to determine source of tape data. |
| 799462 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.51 | 36.85 | Post review documentation for property 3a provided. Removed the HOA for this property. |
| 799831 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 8.77 | 6.60 | Audit DTI is consistent with 1008 in file. Unable to determine source of tape data. |
| 803021 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.95 | 35.90 | Audit DTI is consistent with 1008 in file. Unable to determine source of tape data. |
| 803573 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.85 | 50.00 | Per audit income and debts |
| 803844 | xxxxxx | xxxxxx | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Primary Residence - non-exempt |
| 803997 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.73 | 44.15 | Per the Gap Report the review included a new student loan and update monthly payments. |
| 804021 | xxxxxx | xxxxxx | Reviewed Total Housing Expense PITIA | diligenceFinalLookPage | xxxxxx | xxxxxx | HOA dues included in PITIA for DSCR calc |
| 804103 | xxxxxx | xxxxxx | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Not exempt, subject is primary residence |
| 808236 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 29.72 | 40.00 | Audit DTI is consistent with 1008 in file. Unable to determine source of tape data. |
| 808494 | xxxxxx | xxxxxx | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM: Lender documented all ATR UW factors | ATR/QM purchase primary |
| 808541 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.62 | 39.00 | Lender used a lower qualifying P&I payment on ARM |
| 808878 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.66 | 26.88 | Audit DTI is consistent with 1008 in file. Unable to determine source of tape data. |
| 836564 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 25.38 | 21.34 | Audit DTI is consistent with 1008 in file. Unable to determine source of tape data. |
| 836695 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 25.23 | 31.46 | Variance due to Lender including the primary residence in twice per the 1003 |
| 837078 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.93 | 45.00 | Audit DTI is consistent with 1008 in file. Unable to determine source of tape data. |
| 837139 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.5 | 49.99 | Audit DTI is consistent with 1008 in file. Unable to determine source of tape data. |
| 837459 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.197 | 1.1388 | Audited DSCR based on total rent less management fees. |
| 837465 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 18.62 | 8.77 | Audit DTI in-line with Lender 1008. |
| 837558 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.51 | 47.27 | Audit DTI is consistent with 1008 in file. Unable to determine source of tape data. |
| 837814 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 25.34 | 18.99 | Audit DTI is consistent with 1008 in file. Unable to determine source of tape data. |
| 837825 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.96 | 43.00 | Audit calculated less income |
| 838524 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.63 | 21.75 | Audit value per income and credit report. |
| 842420 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.91 | 37.48 | Audit DTI is consistent with 1008 in file. Unable to determine source of tape data. |
| 836783 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 776650 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 776782 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 777996 | xxxxxx | xxxxxx | ARM Lifetime Interest Rate Minimum | notePage | 4 | 6.7500 | Per Note |
| 777996 | xxxxxx | xxxxxx | Margin | notePage | 4 | 4.500 | Per Note |
| 777999 | xxxxxx | xxxxxx | ARM Lifetime Interest Rate Minimum | notePage | 4 | 6.6250 | Per Note |
| 778003 | xxxxxx | xxxxxx | ARM Lifetime Interest Rate Minimum | notePage | 4 | 7.6250 | Per Note |
| 780148 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 780178 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 781086 | xxxxxx | xxxxxx | ARM Lifetime Interest Rate Cap Maximum | notePage | 5 | 7.00 | Per Note |
| 781086 | xxxxxx | xxxxxx | Margin | notePage | 4 | 2.000 | Per Note |
| 781148 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 782622 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 782627 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 782648 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 784122 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 786122 | xxxxxx | xxxxxx | Margin | notePage | 6.5 | 2.000 | Per Note |
| 786992 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 790615 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 790712 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 790922 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 791176 | xxxxxx | xxxxxx | Note Type | notePage | ARM | Fixed | Per Note |
| 791207 | xxxxxx | xxxxxx | Margin | notePage | 5 | 2.000 | Per Note |
| 791373 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 791373 | xxxxxx | xxxxxx | Maturity Date | notePage | xxxxxx | xxxxxx | Per Note |
| 791405 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 791405 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 791405 | xxxxxx | xxxxxx | Maturity Date | notePage | xxxxxx | xxxxxx | Per Note |
| 791636 | xxxxxx | xxxxxx | Margin | notePage | 5 | 2.000 | Per Note |
| 791636 | xxxxxx | xxxxxx | Property Zip Code | notePage | xxxxxx | xxxxxx | Per Note |
| 791636 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 791692 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 792004 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 792004 | xxxxxx | xxxxxx | Margin | notePage | 6.5 | 2.000 | Per Note |
| 792303 | xxxxxx | xxxxxx | Margin | notePage | 6.5 | 2.000 | Per Note |
| 792303 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 792475 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 793064 | xxxxxx | xxxxxx | Qualifying Monthly P&I Amount | notePage | 8349.44 | 7156.08 | Per Note |
| 793130 | xxxxxx | xxxxxx | Margin | notePage | 5 | 2.000 | Per Note |
| 793142 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 793354 | xxxxxx | xxxxxx | Margin | notePage | 5 | 2.000 | Per Note |
| 793539 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 793539 | xxxxxx | xxxxxx | Margin | notePage | 5 | 2.000 | Per Note |
| 794191 | xxxxxx | xxxxxx | Qualifying Monthly P&I Amount | notePage | 4023.96 | 3211.61 | Per Note |
| 794434 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 794434 | xxxxxx | xxxxxx | Margin | notePage | 5 | 2.000 | Per Note |
| 795916 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 795941 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 795965 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 795981 | xxxxxx | xxxxxx | Margin | notePage | 6.5 | 2.000 | Per Note |
| 796010 | xxxxxx | xxxxxx | Margin | notePage | 5 | 2.000 | Per Note |
| 796527 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 796918 | xxxxxx | xxxxxx | Margin | notePage | 5 | 2.000 | Per Note |
| 797170 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 797321 | xxxxxx | xxxxxx | Margin | notePage | 5 | 2.000 | Per Note |
| 797683 | xxxxxx | xxxxxx | Margin | notePage | 6.5 | 2.000 | Per Note |
| 797798 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 798357 | xxxxxx | xxxxxx | Property Zip Code | notePage | xxxxxx | xxxxxx | Per Note |
| 798357 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 799087 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 799429 | xxxxxx | xxxxxx | Interest Rate | notePage | 8.5 | 7.8750 | Per Note |
| 799449 | xxxxxx | xxxxxx | Margin | notePage | 5 | 2.000 | Per Note |
| 799450 | xxxxxx | xxxxxx | Margin | notePage | 5 | 2.000 | Per Note |
| 799567 | xxxxxx | xxxxxx | Margin | notePage | 5 | 2.000 | Per Note |
| 799831 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 799849 | xxxxxx | xxxxxx | Margin | notePage | 6.5 | 2.000 | Per Note |
| 799849 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 803267 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 803997 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 804021 | xxxxxx | xxxxxx | Interest Rate | notePage | 9.625 | 0.0962 | Per Note |
| 804027 | xxxxxx | xxxxxx | Interest Rate | notePage | 9.625 | 0.0962 | Per Note |
| 808541 | xxxxxx | xxxxxx | Margin | notePage | 5 | 2.000 | Per Note |
| 808872 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 831565 | xxxxxx | xxxxxx | Term | notePage | 480 | 360 | Per Note |
| 831627 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 836028 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 836620 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 837040 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 837387 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 838524 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 776282 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal and title property is a PUD. |
| 776671 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Verified with the purchase contract amendment |
| 776686 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Tape states Appraised value. |
| 776719 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Subject is an attached townhome located in a PUD per Title and Appraisal in file |
| 776777 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | verified with the appraisal |
| 776777 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Tape states Appraised value. |
| 776782 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Tape Data is appraisal value. True Data is purchase price per contract in file. |
| 777985 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Tape Data is Appraisal value. Audit Data is Purchase price per contract. |
| 778003 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Subject is located in a PUD per the appraisal and title in file |
| 778730 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Audit Data is purchase price. Tape Data is appraisal value |
| 780148 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per Appraisal |
| 780178 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Tape states original purchase price prior to reduction. |
| 780178 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Tape states original purchase price prior to reduction. |
| 780200 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal and Mortgage PUD. |
| 780985 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | Per 1004 appraisal in file subject is detached |
| 781086 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Subject is located in a PUD per Appraisal and Title. |
| 781308 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal and PUD rider, property is a PUD |
| 781349 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 2 | 4 | Per Appraisal 2 unit property. |
| 781762 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Subject is located in PUD per Appraisal and Title |
| 781762 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 46.98 | 46.67 | Loan amount / appraisal value. |
| 781762 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 46.98 | 46.67 | Loan amount / appraisal value. |
| 782622 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal and PUD Rider. |
| 782622 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Tape states appraised value. |
| 782648 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 3 | 4 | Per appraisal property has three units. |
| 783910 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per appraisal property is a detached PUD. |
| 784656 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 2 | 4 | 2 units per appraisal. |
| 786156 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 45.45 | 41.67 | Tape source unknown. |
| 786156 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 45.45 | 41.67 | Tape source unknown. |
| 786540 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Audit data is appraisal value. Tape data is drive-by review value. |
| 786855 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 786992 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 787100 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | per Contract |
| 790415 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 8 | 5 | Per Appraisal |
| 790416 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 2 | 4 | Per Appraisal |
| 790872 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 791196 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal and title in file. |
| 791271 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per Appraisal |
| 791308 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 791362 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per Appraisal |
| 791386 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 791405 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 2 | 4 | Per Appraisal |
| 791405 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 55 | 50.56 | Tape source unknown. |
| 791405 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 55 | 50.56 | Tape source unknown. |
| 791497 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 791498 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 75 | 61.23 | Audit value based on loan amount / purchase price. |
| 791498 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 75 | 61.23 | Audit value based on loan amount / purchase price. |
| 791692 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per contract amendment. |
| 791692 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 59.48 | 58.09 | Loan amount / appraised value. |
| 791692 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 59.48 | 58.09 | Loan amount / appraised value. |
| 792004 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 6 | 5 | Per appraisal. |
| 792186 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | PUD Rider and HOA assessed. |
| 792303 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 52.31 | 53.05 | Tape source unknown. |
| 792303 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per CD |
| 792303 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 52.31 | 53.05 | LTV in line with approval in file. |
| 792515 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 794132 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per purchase agreement and settlement statement. |
| 794932 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condominium High Rise | Condominium | 60 Story Condo |
| 795916 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 36.56 | 26.02 | Per 1008 |
| 795916 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 36.56 | 26.02 | Per 1008 |
| 795941 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 60 | 58.82 | Per loan amount/appraisal/Sales price |
| 795941 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 60 | 58.82 | Per loan amount/appraisal/Sales price |
| 796111 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Deed. |
| 796199 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 46.29 | 43.20 | Per appraisal |
| 796199 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 46.29 | 43.20 | Per appraisal |
| 796443 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 796527 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 796918 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Subject is located within a Planned Unit Development per the Appraisal |
| 797170 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Audit value per purchase agreement. |
| 797798 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 797810 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Attached | Per appraisal |
| 798404 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Deed. |
| 798720 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Subject is located within a Planned Unit Development per the Appraisal |
| 798892 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | Per appraisal |
| 798970 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 65 | 62.56 | matches 1008 |
| 798970 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 65 | 62.56 | matches 1008 |
| 799115 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | Per appraisal |
| 799567 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Audit value per apparisal. |
| 802994 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Deed. |
| 803021 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Mortgage document includes PUD rider. |
| 803587 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Tape states appraised value. |
| 803997 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per Final CD & Contract Addendum |
| 808798 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 809267 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | per Appraisal |
| 809271 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Deed and Appraisal. |
| 836028 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Title |
| 836569 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 836624 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per title |
| 836750 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 836958 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal report |
| 836966 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 70.31 | 70.19 | loan amount/appraisal value |
| 836966 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 836967 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per title/appraisal |
| 837139 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 837316 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD | Per appraisal. |
| 837346 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per title. |
| 837346 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per the purchase contract. |
| 837387 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal. |
| 837459 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Mixed Use | Two to Four Unit | Per appraisal narrative |
| 837459 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 68.94 | 70.00 | loan amount/appraisal value |
| 837459 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per appraisal narrative |
| 837609 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal, title |
| 837814 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 12.65 | 13.25 | LTV/CLTV matches 1008 in file/Tape Data Unknown |
| 837814 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 65.34 | 68.61 | LTV/CLTV matches 1008 in file/Tape Data Unknown |
| 837825 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per title and appraisal |
| 837883 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 837928 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 842410 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | per appraisal report |
| 842420 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 58.71 | 60.20 | Per 1008 |
| 842420 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 19.86 | 20.37 | Per 1008 |
| 786540 | xxxxxx | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | Loan is DSCR |
| 791636 | xxxxxx | xxxxxx | Borrower 1 SSN | the1003Page | xxxxxx | xxxxxx | Per Final 1003 |
| 791692 | xxxxxx | xxxxxx | Borrower 1 SSN | the1003Page | xxxxxx | xxxxxx | Per CBR. |
| 793179 | xxxxxx | xxxxxx | Borrower 1 SSN | the1003Page | xxxxxx | xxxxxx | Per CBR. |
| 795916 | xxxxxx | xxxxxx | Refinance Type | the1003Page | Cash Out - Other | No Cash Out - Borrower Initiated | Per Final CD |
| 796053 | xxxxxx | xxxxxx | Refinance Type | the1003Page | Cash Out - Other | No Cash Out - Borrower Initiated | Per PCCD xxxxxx |
| 799432 | xxxxxx | xxxxxx | Occupancy | the1003Page | Second Home | Primary Residence | Per docs in loan file. |
| 836028 | xxxxxx | xxxxxx | Borrower 1 SSN | the1003Page | xxxxxx | xxxxxx | Foreign Nation program utilized. |
| 836620 | xxxxxx | xxxxxx | Occupancy | the1003Page | Second Home | Primary Residence | Per 1003/1008 |

---

## Exhibit 99.20

**EXHIBIT 99.20**

**CLARIFII ATR QM REPORT**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller 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?** |
| 775451 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Fail | Yes | Yes | No | No | No | No | No | No | No | No | 5652.5 | 10.472 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 3780.66 | Yes | Employed |  | No |  | No |  |
| 776282 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Pass | Yes | No | No | No |  | No | No | No | No | No | 27695 | 7.598 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 34297.46 | Yes | Employed | Employed | No | No | No |  |
| 776650 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | Yes | No | No |  | No | No | No | No | No | 13301.19 | 7.724 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 8800.32 | Yes | Employed |  | No |  | No |  |
| 776657 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | No | No | No | No | No | No | 19194.6 | 4.945 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 12202.79 | N/A | Employed |  | No |  | No |  |
| 776666 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | No | No | No | No | No | No | 14781.25 | 4.882 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 8668.36 | N/A | Employed |  | No |  | No |  |
| 776671 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Pass | Yes | Yes | No | No | No | No | No | No | No | No | 10360 | 5.77 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 8233.35 | N/A | Employed |  | No |  | No |  |
| 776686 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | No | No | No | No | No | No | 8440 | 6.038 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 10332.36 | N/A | Employed |  | No |  | No |  |
| 776718 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Pass | Yes | Yes | No | No | No | No | No | No | No | No | 15095 | 7.009 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5734.17 | No | Employed |  | No |  | No |  |
| 776719 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Pass | Yes | No | No | No | No | No | No | No | No | No | 5398 | 6.675 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 3571.08 | N/A | Employed |  | No |  | No |  |
| 776741 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | No | No | No | No | No | No | 11815 | 5.554 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7381.1 | N/A | Employed |  | No |  | No |  |
| 776777 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | Yes | No | No | No | No | No | No | No | No | 1195 | 6.97 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 12730.78 | Yes | Retired |  | No |  | No |  |
| 776782 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 776788 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | No | No | No | No | No | No | 3310.4 | 5.245 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 11492.6 | Yes | Employed |  | No |  | No |  |
| 777778 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 777945 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No |  | No | No | No | No | No | 9700 | 6.202 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6786.37 | N/A | Employed |  | No |  | No |  |
| 777984 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No |  | No | No | No | No | No | 11435.47 | 6.124 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5995.8 | N/A | Employed |  | No |  | No |  |
| 777985 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No |  | No | No | No | No | No | 16125.5 | 5.905 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 8537.75 | N/A | Employed |  | No |  | No |  |
| 777996 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No |  | No | No | No | No | No | 15428.35 | 5.682 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 11324.42 | N/A | Employed |  | No |  | No |  |
| 777999 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Pass | Yes | No | No | No |  | No | No | No | No | No | 7995 | 5.491 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5434.32 | N/A | Employed |  | No |  | No |  |
| 778003 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Pass | Yes | No | No | No |  | No | No | No | No | No | 12255 | 6.108 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6308.83 | N/A | Employed |  | No |  | No |  |
| 778004 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Pass | Yes | No | No | No |  | No | No | No | No | No | 10295 | 7.049 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5503.97 | Yes | Employed |  | No |  | No |  |
| 778176 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Loan Term Exceeds 30 Years | Pass | No | No | No | No | true | No | No | No | No | No | 23148 | 7.695 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 19122.7 | Yes | Employed |  | No |  | No |  |
| 778714 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Pass | Yes | Yes | No | No |  | No | No | No | No | No | 11710 | 5.915 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7820.61 | Yes | Employed |  | No |  | No |  |
| 778717 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No |  | No | No | No | No | No | 12900.5 | 6.021 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7675.18 | N/A | Employed |  | No |  | No |  |
| 778730 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Pass | Yes | Yes | No | No |  | No | No | No | No | No | 9940 | 7.549 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5685.07 | Yes | Employed |  | No |  | No |  |
| 778755 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | 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 | 15015.59 | N/A | Employed |  | No |  | Yes | Present |
| 778759 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Pass | Yes | Yes | No | No |  | No | No | No | No | No | 8758.75 | 7.325 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5289.79 | N/A | Employed |  | No |  | No |  |
| 778789 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No |  | No | No | No | No | No | 15420 | 6.298 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 10405.35 | N/A | Employed | Employed | No | No | No |  |
| 778924 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | 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 |
| 779171 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 16121.68 | N/A | Employed |  | No |  | Yes | Present |
| 779606 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | 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 | 7081.36 | N/A | Employed |  | No |  | Yes | Present |
| 779621 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | Yes | No | No |  | No | No | No | No | No | 11532.5 | 7.062 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 21556.47 | N/A | Employed |  | No |  | No |  |
| 780148 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No |  | No | No | No | No | No | 4715.2 | 9.134 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5510.4 | Yes | Employed |  | No |  | No |  |
| 780178 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | Pass | No | Yes | No | No |  | No | No | No | No | Yes | 21594.5 | 8.365 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 8933.3 | Yes | Employed | Employed | No | No | No |  |
| 780200 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | No | Yes | No | No |  | No | No | No | No | No | 1495 | 10.111 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 8635.33 | Yes | Employed | Not Employed | No | No | No |  |
| 780221 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 18653.08 | N/A | Employed |  | No |  | Yes | Present |
| 780309 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No |  | No | No | No | No | No | 7860 | 8.799 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6664.45 | N/A | Employed |  | No |  | No |  |
| 780552 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | Yes | Yes | No | No |  | No | No | No | No | No | 10825.17 | 10.367 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 4994.37 | Yes | Employed |  | No |  | No |  |
| 780598 | xxxxxx | xxxxxx | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | No |  | Fail | No | Yes | No | No |  | No | No | No | No | No | 20695 | 9.832 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 120366.45 | Yes | Employed |  | No |  | No |  |
| 780714 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 780985 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Loan Term Exceeds 30 Years | Pass | Yes | Yes | No | No | true | No | No | No | No | Yes | 10617.63 | 8.685 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 3549.41 | Yes | Employed |  | No |  | No |  |
| 781086 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | Pass | Yes | No | No | No |  | No | No | No | No | No | 14230 | 7.944 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 9423.9 | N/A | Employed |  | No |  | No |  |
| 781148 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 14705.15 | N/A | Employed |  | No |  | Yes | Present |
| 781288 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | No | Yes | No | No |  | No | No | No | No | No | 10045 | 9.822 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6974.52 | Yes | Employed | Not Employed | No | No | No |  |
| 781308 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Fail | Yes | Yes | No | No |  | No | No | No | No | No | 12085 | 11.397 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 14398.43 | N/A | Employed | Employed | No | No | No |  |
| 781324 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | Pass | Yes | Yes | No | No |  | No | No | No | No | No | 9495 | 8.977 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6516.39 | N/A | Employed |  | No |  | No |  |
| 781349 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 781762 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | Pass | No | No | No | No |  | No | No | No | No | No | 2885 | 8.626 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6114.68 | N/A | Employed |  | No |  | No |  |
| 782250 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 24211.86 | N/A | Employed |  | No |  | Yes | Present |
| 782622 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 782627 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 782648 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 782718 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 782775 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 9763.78 | N/A | Employed | Employed | No | No | Yes | Present |
| 782973 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | No | Yes | No | No |  | No | No | No | No | Yes | 9770.4 | 10.489 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 4107.22 | Yes | Employed |  | No |  | No |  |
| 783505 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | 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 | 4975.34 | N/A | Employed |  | No |  | Yes | Present |
| 783727 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | Yes | Yes | No | No |  | No | No | No | No | No | 8475 | 9.148 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 10117.64 | Yes | Employed |  | No |  | No |  |
| 783752 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | No | Yes | No | No |  | No | No | No | No | Yes | 14031 | 9.614 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 14724.39 | Yes | Employed | Not Employed | No | No | No |  |
| 783763 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | Pass | Yes | Yes | No | No |  | No | No | No | No | No | 3221 | 8.604 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 1525.06 | Yes | Employed |  | No |  | No |  |
| 783869 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 783885 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | No | Yes | No | No | true | No | No | No | No | No | 16340 | 8.88 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 31581.62 | Yes | Employed |  | No |  | No |  |
| 783900 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | No | Yes | No | No |  | No | No | No | No | Yes | 18285 | 10.219 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7633.07 | Yes | Employed | Employed | No | No | No |  |
| 783910 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | Pass | No | Yes | No | No |  | No | No | No | No | Yes | 7564 | 8.102 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7063.25 | Yes | Employed |  | No |  | No |  |
| 784023 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | Pass | No | No | No | No |  | No | No | No | No | No | 8137.75 | 7.698 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 9237.14 | Yes | Employed | Employed | No | No | No |  |
| 784122 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | Pass | Yes | No | No | No |  | No | No | No | No | Yes | 62244.97 | 8.725 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 33969.9 | Yes | Employed |  | No |  | No |  |
| 784229 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | Pass | Yes | No | No | No | true | No | No | No | No | No | 21631.25 | 8.667 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 13705.24 | Yes | Employed | Employed | No | No | No |  |
| 784600 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | No | Yes | No | No |  | No | No | No | No | No | 8590 | 10.061 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 15976.49 | Yes | Employed |  | No |  | No |  |
| 784656 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 785358 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | Pass | Yes | No | No | No | true | No | No | No | No |  |  | 8.903 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 14146.83 | Yes | Employed |  | No |  | No |  |
| 785502 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No |  |  | Yes | 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 |
| 785696 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | No | Yes | No | No |  | No | No | No | No |  |  | 9.234 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 12335.28 | Yes | Employed |  | No |  | No |  |
| 785720 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | Pass | No | No | No | No |  | No | No | No | No | Yes | 14160.32 | 7.737 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 16985.15 | N/A | Employed |  | No |  | No |  |
| 785891 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 786025 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | Pass | No | No | No | No |  | No | No | No | No | Yes | 38465 | 8.032 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 12965 | Yes | Employed |  | No |  | No |  |
| 786085 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 786091 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 786106 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | Pass | Yes | Yes | No | No |  | No | No | No | No | No | 8640 | 8.34 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6976.26 | N/A | Employed |  | No |  | No |  |
| 786121 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | Pass | Yes | Yes | No | No |  | No | No | No | No |  |  | 8.251 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5990.75 | N/A | Employed |  | No |  | No |  |
| 786122 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No |  |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 786156 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 786183 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No |  |  | Yes | 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 |
| 786242 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | Pass | No | No | No | No |  | No | No | No | No | No | 6085 | 8.102 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 4625.49 | N/A | Employed |  | No |  | No |  |
| 786257 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | Pass | No | No | No | No | No | No | No | No | No | No | 10677.16 | 8.275 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 18705.07 | Yes | Employed |  | No |  | No |  |
| 786371 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | 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 | 9116.23 | N/A | Employed |  | No |  | Yes | Present |
| 786540 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 786797 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No |  | true | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 786855 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No |  | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 786992 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No |  | No | No | No | No | No | 13079 | 8.937 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 10263.44 | Yes | Employed |  | No |  | No |  |
| 787100 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No |  | No | No | No | No | No | 6794.8 | 6.941 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 12927.71 | Yes | Employed |  | No |  | No |  |
| 790415 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 790416 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 790516 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | Pass | No | No | No | No | No | No | No | No | No | No | 11485 | 7.344 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 9149.9 | N/A | Employed |  | No |  | No |  |
| 790523 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | No | Yes | No | No | No | No | No | No | No | Yes | 13393.75 | 10.279 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 12672.13 | Yes | Employed |  | No |  | No |  |
| 790570 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 790595 | xxxxxx | xxxxxx | 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 | 24105.47 | N/A | Employed | Employed | No | No | Yes | Present |
| 790615 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | Pass | No | Yes | No | No | No | No | No | No | No | No | 7370 | 8.898 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 11368.87 | Yes | Employed |  | No |  | No |  |
| 790675 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | Pass | Yes | No | No | No | No | No | No | No | No | No | 8895 | 8.083 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6945.92 | N/A | Employed |  | No |  | No |  |
| 790712 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | Pass | Yes | Yes | No | No | No | No | No | No | No | No | 9815 | 8.267 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 4262.62 | Yes | Employed |  | No |  | No |  |
| 790872 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | Pass | Yes | No | No | No | No | No | No | No | No | No | 8490 | 7.934 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 3843.19 | N/A | Employed |  | No |  | No |  |
| 790922 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No |  | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 9729.74 | N/A | Employed |  | No |  | Yes | Present |
| 791176 | xxxxxx | xxxxxx | 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 |
| 791181 | xxxxxx | xxxxxx | 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 |
| 791196 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | 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 | 14364.42 | N/A | Employed |  | No |  | Yes | Present |
| 791207 | xxxxxx | xxxxxx | 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 | 50429.31 | N/A | Employed |  | No |  | Yes | Present |
| 791271 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No |  | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 791308 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | Pass | No | Yes | No | No | No | No | No | No | No | No | 15452.42 | 7.563 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 10622.49 | Yes | Employed |  | No |  | No |  |
| 791362 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | Pass | No | Yes | No | No | No | No | No | No | No | No | 2194 | 8.426 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 92987.79 | N/A | Employed |  | No |  | No |  |
| 791373 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No |  | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 2751.42 | N/A | Employed |  | No |  | Yes | Present |
| 791386 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | Pass | Yes | No | No | No | No | No | No | No | No | No | 8572.6 | 7.902 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 8721.59 | Yes | Employed | Not Employed | No | No | No |  |
| 791405 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 791458 | xxxxxx | xxxxxx | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | No |  | Pass | No | Yes | No | No | No | No | No | No | No | Yes | 11895 | 8.172 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5348.37 | Yes | Employed |  | No |  | No |  |
| 791497 | xxxxxx | xxxxxx | 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 |
| 791498 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No |  | No | Yes | 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 |
| 791502 | xxxxxx | xxxxxx | 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 |
| 791511 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | 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 |
| 791609 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 134547.44 | N/A | Employed |  | No |  | Yes | Present |
| 791636 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 224421.79 | N/A | Employed |  | No |  | Yes | Present |
| 791692 | xxxxxx | xxxxxx | 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 |
| 791859 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | Pass | No | No | No | No | No | No | No | No | No | Yes | 4640 | 8.327 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 17009.65 | N/A | Employed |  | No |  | No |  |
| 791993 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | Pass | Yes | No | No | No | No | No | No | No | No | No | 1740 | 7.804 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 14005.87 | Yes | Employed |  | No |  | No |  |
| 792004 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | 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 |
| 792186 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Loan Term Exceeds 30 Years | Pass | No | No | No | No | No | No | No | No | No | No | 6950 | 7.938 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6943.89 | N/A | Employed |  | No |  | No |  |
| 792303 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 792377 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 252774.43 | N/A | Employed |  | No |  | Yes | Present |
| 792475 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | Pass | Yes | Yes | No | No | No | No | No | No | No | Yes | 6720 | 8.654 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 4046.83 | Yes | Employed | Employed | No | No | No |  |
| 792515 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No |  | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 792524 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 792525 | xxxxxx | xxxxxx | 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 |
| 792752 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | Pass | No | Yes | No | No | No | No | No | No | No | No | 5880.88 | 8.472 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 35738.97 | Yes | Not Employed |  | No |  | No |  |
| 792795 | xxxxxx | xxxxxx | 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 |  | N/A |  |  | No |  | Yes | Present |
| 792799 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 792939 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | Pass | Yes | No | No | No | No | No | No | No | No | No | 7882.5 | 7.967 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6105.2 | N/A | Employed |  | No |  | No |  |
| 793064 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No |  | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 61040.87 | N/A | Employed | Employed | No | No | Yes | Present |
| 793088 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 793130 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | No | Yes | No | No | No | No | No | No | No | No | 19770 | 9.223 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 12526.76 | N/A | Employed |  | No |  | No |  |
| 793142 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | Pass | Yes | Yes | No | No | No | No | No | No | No | No | 14040.8 | 8.964 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5367.12 | Yes | Employed |  | No |  | No |  |
| 793179 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | Pass | Yes | No | No | No | No | No | No | No | No | Yes | 19615 | 7.529 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 4914.22 | Yes | Employed | Employed | No | No | No |  |
| 793274 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | Pass | No | No | No | No | No | No | No | No | No | Yes | 28284.02 | 8.216 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 17945.92 | Yes | Employed |  | No |  | No |  |
| 793354 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | Yes | Yes | No | No | No | No | No | No | No | No | 5573 | 9.142 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5264.07 | N/A | Employed |  | No |  | No |  |
| 793539 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | No | Yes | No | No | No | No | No | No | No | No | 8502.5 | 9.628 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 9596.04 | Yes | Employed |  | No |  | No |  |
| 793733 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 793736 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | No | Yes | No | No | No | No | No | No | No | Yes | 16045.1 | 9.787 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 15308.47 | Yes | Employed | Employed | No | No | No |  |
| 793899 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | Pass | No | No | No | No | No | No | No | No | No | No | 9296.5 | 8.111 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 8608.96 | Yes | Employed |  | No |  | No |  |
| 793966 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | 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 |
| 794132 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | 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 |
| 794191 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | Yes | Yes | No | No | No | No | No | No | No | No | 7222.5 | 9.233 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5837.42 | N/A | Employed |  | No |  | No |  |
| 794434 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | Yes | Yes | No | No | No | No | No | No | No | No | 12710 | 9.183 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 11155.16 | N/A | Employed |  | No |  | No |  |
| 794856 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | Pass | No | Yes | No | No | No | No | No | No | No | Yes | 12495 | 8.716 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7207.27 | Yes | Employed |  | No |  | No |  |
| 794911 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | No | Yes | No | No | No | No | No | No | No | No | 21651.25 | 10.156 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 16311.73 | N/A | Employed |  | No |  | No |  |
| 794932 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | Pass | Yes | No | No | No | Yes | No | No | No | No | No | 37552.5 | 9.034 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 24615.1 | Yes | Employed |  | No |  | No |  |
| 794987 | xxxxxx | xxxxxx | 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 | 13170.46 | Yes | Not Employed | Employed | No | No | Yes | Present |
| 795450 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 795736 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | Pass | No | No | No | No | No | No | No | No | No | No | 7420 | 7.5 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 4977.47 | N/A | Employed |  | No |  | No |  |
| 795916 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | Pass | No | Yes | No |  | No | No | No | No | No | No | 9045 | 8.627 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 103844.64 | N/A | Employed |  | No |  | No |  |
| 795941 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | Pass | No | No | No | No | No | No | No | No | No | No | 11395 | 7.941 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7881.34 | N/A | Employed |  | No |  | No |  |
| 795965 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | Pass | No | Yes | No |  | No | No | No | No | No | No | 12635 | 8.719 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 9977.53 | N/A | Employed |  | No |  | No |  |
| 795981 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 796010 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | No | Yes | No | No | No | No | No | No | No | No | 5790 | 9.548 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 14308.52 | Yes | Employed | Not Employed | No | No | No |  |
| 796053 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No |  | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 1061195.99 | N/A | Employed | Employed | No | No | Yes | Present |
| 796100 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No |  | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 796111 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | Pass | Yes | No | No | No | No | No | No | No | No | No | 19666 | 8.611 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 13919.77 | Yes | Employed |  | No |  | No |  |
| 796141 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | Pass | No | No | No | No | No | No | No | No | No | No | 12484.97 | 8.104 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 106165.23 | Yes | Employed |  | No |  | No |  |
| 796199 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | No | Yes | No | No | No | No | No | No | No | Yes | 9159.72 | 9.456 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 8884.68 | Yes | Employed |  | No |  | No |  |
| 796237 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | Yes | Yes | No |  | No | No | No | No | No | No | 7832.88 | 10.514 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 8540.29 | Yes | Employed |  | No |  | No |  |
| 796443 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No |  | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 5929.37 | N/A | Employed |  | No |  | Yes | Present |
| 796449 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | Pass | No | No | No | No | No | No | No | No | No | Yes | 32845 | 8.743 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 20835.82 | Yes | Employed |  | No |  | No |  |
| 796527 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 17648.06 | Yes | Employed |  | No |  | Yes | Present |
| 796538 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | No | Yes | No |  | No | No | No | No | No | Yes | 16373.75 | 10.205 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 9804.9 | Yes | Employed |  | No |  | No |  |
| 796551 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | No | Yes | No | No | No | No | No | No | No | Yes | 7414.73 | 10.444 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 3675.01 | N/A | Employed |  | No |  | No |  |
| 796616 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | Pass | No | Yes | No | No | No | No | No | No | No | No | 8250 | 9.095 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 4374.9 | Yes | Employed |  | No |  | No |  |
| 796636 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 44227.52 | Yes | Employed |  | No |  | Yes | Present |
| 796815 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | Yes | No | No | No | No | No | No | No | No | No | 10415 | 9.152 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 19376.38 | N/A | Employed |  | No |  | No |  |
| 796821 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | Pass | No | Yes | No | No | No | No | No | No | No | No | 2865 | 8.95 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 22522.12 | Yes | Employed |  | No |  | No |  |
| 796855 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | Pass | No | No | No | No | No | No | No | No | No | Yes | 8360 | 8.232 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7616.67 | N/A | Employed |  | No |  | No |  |
| 796863 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | Yes | Yes | No |  | No | No | No | No | No | No | 7860.44 | 9.795 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6869.7 | N/A | Employed |  | No |  | No |  |
| 796865 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | Yes | Yes | No |  | No | No | No | No | No | Yes | 14517.88 | 10.133 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6579.5 | Yes | Employed |  | No |  | No |  |
| 796891 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | Pass | Yes | Yes | No |  | No | No | No | No | No | No | 5199 | 9.22 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 4781.29 | N/A | Employed |  | No |  | No |  |
| 796918 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | No | Yes | No | No | No | No | No | No | No | No | 6568.5 | 9.24 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 15953.39 | Yes | Employed |  | No |  | No |  |
| 796991 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | Pass | No | No | No | No | No | No | No | No | No | No | 26643 | 7.389 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 13157.12 | Yes | Employed |  | No |  | No |  |
| 797166 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | Pass | No | No | No | No | No | No | No | No | No | No | 7746 | 8.042 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 32850.48 | Yes | Employed | Not Employed | No | No | No |  |
| 797170 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | Pass | No | No | No | No | No | No | No | No | No | No | 9770.25 | 7.992 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 19675.4 | Yes | Employed | Not Employed | No | No | No |  |
| 797273 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | Pass | No | No | No | No | No | No | No | No | No | No | 11124.38 | 7.957 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7740.85 | N/A | Employed |  | No |  | No |  |
| 797321 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | Yes | Yes | No | No | No | No | No | No | No | No | 7745 | 9.39 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 8364.77 | No | Employed | Employed | No | No | No |  |
| 797432 | xxxxxx | xxxxxx | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | No |  | Pass | No | Yes | No | No | No | No | No | No | No | Yes | 4495 | 8.653 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6722.78 | Yes | Employed |  | No |  | No |  |
| 797683 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 797798 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | Pass | No | Yes | No |  | No | No | No | No | No | No | 3234 | 9.132 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 8831.81 | Yes | Employed | Employed | No | No | No |  |
| 797803 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | Pass | No | No | No | No | No | No | No | No | No | No | 8265 | 8.416 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 28302.64 | Yes | Employed |  | No |  | No |  |
| 797810 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | Pass | No | Yes | No | No | No | No | No | No | No | No | 2290 | 8.93 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5896.56 | N/A | Employed |  | No |  | No |  |
| 797937 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | Pass | No | No | No | No | No | No | No | No | No | No | 12419.38 | 8.25 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6335.52 | N/A | Employed |  | No |  | No |  |
| 798154 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | No | Yes | No |  | No | No | No | No | No | Yes | 11298.83 | 11.339 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 9919.36 | Yes | Not Employed | Employed | No | No | No |  |
| 798339 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | Pass | No | No | No | No | No | No | No | No | No | No | 6276.82 | 8.163 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 10460.41 | Yes | Employed | Employed | No | No | No |  |
| 798357 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | Pass | No | Yes | No | No | No | No | No | No | No | Yes | 18167.5 | 9.265 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 19524.8 | Yes | Employed |  | No |  | No |  |
| 798404 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No |  | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 10748.73 | Yes | Employed |  | No |  | Yes | Present |
| 798481 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | Pass | No | No | No | No | No | No | No | No | No | No | 15326.6 | 8.604 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 14369.97 | Yes | Employed |  | No |  | No |  |
| 798549 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No |  | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 798609 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | Pass | Yes | No | No | No | No | No | No | No | No | No | 2390 | 8.593 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 8973.35 | N/A | Employed |  | No |  | No |  |
| 798720 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | Pass | Yes | Yes | No |  | No | No | No | No | No | No | 11599 | 9.383 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5602.94 | Yes | Employed | Employed | No | No | No |  |
| 798892 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | Pass | No | No | No | No | No | No | No | No | No | Yes | 89449 | 7.751 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 37414.79 | Yes | Employed |  | No |  | No |  |
| 798970 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | Pass | Yes | Yes | No | No | No | No | No | No | No | Yes | 10502.99 | 9.635 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 2267.42 | Yes | Employed |  | No |  | No |  |
| 799087 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | Pass | No | Yes | No | No | No | No | No | No | No | No | 10724.26 | 9.602 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 11945.11 | Yes | Employed |  | No |  | No |  |
| 799093 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No |  | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 799115 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | Pass | No | Yes | No | No | No | No | No | No | No | No | 7956.25 | 9.77 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7476.38 | Yes | Employed |  | No |  | No |  |
| 799410 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | No | Yes | No | No | No | No | No | No | No | Yes | 15576.82 | 10.223 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5653.27 | Yes | Employed |  | No |  | No |  |
| 799429 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | Pass | No | Yes | No | No | No | No | No | No | No | No | 5958.26 | 8.913 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 3305.16 | N/A | Employed |  | No |  | No |  |
| 799432 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | Pass | No | No | No | No | No | No | No | No | No | No | 36070 | 9.243 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 237524.54 | Yes | Employed |  | No |  | No |  |
| 799449 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | Yes | Yes | No | No | No | No | No | No | No | No | 10040 | 9.515 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 8170.99 | N/A | Employed |  | No |  | No |  |
| 799450 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | Yes | Yes | No | No | No | No | No | No | No | No | 11716 | 9.715 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 14023.95 | N/A | Employed | Employed | No | No | No |  |
| 799462 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | 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 | 27762.64 | Yes | Employed | Employed | No | No | Yes | Present |
| 799567 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | 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 | 19793.35 | Yes | Employed |  | No |  | Yes | Present |
| 799616 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No |  | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 112701.61 | Yes | Employed |  | No |  | Yes | Present |
| 799831 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | Pass | No | No | No | No | No | No | No | No | No | No | 47791.25 | 8.407 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 422605.57 | Yes | Employed |  | No |  | No |  |
| 799849 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 802994 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | No | Yes | No | No | No | No | No | No | No | No | 5955 | 9.449 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 13372.88 | Yes | Employed |  | No |  | No |  |
| 803021 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | Pass | No | No | No | No | No | No | No | No | No | No | 15864.7 | 8.02 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 25372.92 | Yes | Employed | Not Employed | No | No | No |  |
| 803064 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | Pass | No | Yes | No | No | No | No | No | No | No | Yes | 18495 | 8.986 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 109981.88 | Yes | Employed |  | No |  | No |  |
| 803267 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | Pass | No | No | No | No | No | No | No | No | No | No | 9393 | 8.695 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 14970.35 | N/A | Employed |  | No |  | No |  |
| 803308 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | No | No | No |  | No | No | No | No | No | No | 9833 | 9.912 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 142111.41 | Yes | Employed |  | No |  | No |  |
| 803573 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | 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 | 4338.91 | N/A | Employed |  | No |  | Yes | Present |
| 803587 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | Pass | No | Yes | No |  | No | No | No | No | No | No | 2524.13 | 8.916 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 12050.42 | Yes | Employed |  | No |  | No |  |
| 803844 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | Pass | No | No | No | No | No | No | No | No | No | Yes | 4370 | 8.432 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 1675.18 | N/A | Employed |  | No |  | No |  |
| 803984 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No |  | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 18525.78 | N/A | Employed |  | No |  | Yes | Present |
| 803997 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | Yes | Yes | No | No | No | No | No | No | No | Yes | 26070 | 10.592 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 16888.21 | N/A | Employed |  | No |  | No |  |
| 804021 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No |  | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 804027 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No |  | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 804051 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No |  | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 5498.47 | Yes | Employed |  | No |  | Yes | Present |
| 804103 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Fail | Yes | Yes | No | No | No | No | No | No | No | Yes | 15729.9 | 10.361 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6882.32 | Yes | Employed |  | No |  | No |  |
| 808236 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | 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 | 86849.8 | Yes | Employed |  | No |  | Yes | Present |
| 808347 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No |  | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 808394 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No |  | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 808494 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | Pass | No | No | No | No | No | No | No | No | No | No | 30764.8 | 7.857 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 36323.24 | Yes | Employed |  | No |  | No |  |
| 808541 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | Pass | Yes | Yes | No |  | No | No | No | No | No | No | 7255 | 9.184 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 4501.26 | N/A | Employed |  | No |  | No |  |
| 808798 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No |  | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 808872 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | 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 |
| 808878 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | Pass | Yes | No | No | No | Yes | No | No | No | No | No | 6189 | 7.967 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 4724.55 | Yes | Employed |  | No |  | No |  |
| 809267 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | 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 |
| 809271 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | Pass | Yes | No | No | No | No | No | No | No | No | No | 3051.73 | 8.288 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 13997.64 | Yes | Not Employed | Not Employed | No | No | No |  |
| 829912 | xxxxxx | xxxxxx | 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 | 4045 | 11.466 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 8135.68 | Yes | Employed |  | No |  | No |  |
| 831565 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Loan Term Exceeds 30 Years | No | Yes | No | No | No | Yes | No | No | No | No | No | 1987.5 | 7.759 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 14213.1 | Yes | Not Employed | Employed | No | No | No |  |
| 831627 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 836028 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 836319 | xxxxxx | xxxxxx | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 836564 | xxxxxx | xxxxxx | 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 | 26139.85 | Yes | Employed |  | No |  | Yes | Present |
| 836569 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6300 | 9.865 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 57203.06 | N/A | Employed | Not Employed | No | No | No |  |
| 836620 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4827 | 7.874 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 8233.6 | Yes | Not Employed | Not Employed | No | No | No |  |
| 836624 | xxxxxx | xxxxxx | 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 | 23801.23 | N/A | Employed |  | No |  | Yes | Present |
| 836695 | xxxxxx | xxxxxx | 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 | 37010.16 | Yes | Employed |  | No |  | Yes | Present |
| 836750 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 836783 | xxxxxx | xxxxxx | 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 | 5495 | 9.08 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 20484.59 | N/A | Employed |  | No |  | No |  |
| 836856 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 836934 | xxxxxx | xxxxxx | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 836958 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 836965 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4190 | 9.049 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 27837.72 | N/A | Employed |  | No |  | No |  |
| 836966 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2187 | 8.942 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7284.29 | N/A | Employed | Employed | No | No | No |  |
| 836967 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 9870.95 | 8.334 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 4365.19 | Yes | Employed |  | No |  | No |  |
| 836974 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 837040 | xxxxxx | xxxxxx | 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 |
| 837054 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 837069 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 12350 | 8.792 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 33495.95 | Yes | Employed |  | No |  | No |  |
| 837078 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2946 | 7.948 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 12086.89 | N/A | Employed |  | No |  | No |  |
| 837139 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 7169.29 | 7.959 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 16835.59 | N/A | Employed |  | No |  | No |  |
| 837219 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6550 | 8.157 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5596.86 | N/A | Employed |  | No |  | No |  |
| 837316 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 837345 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 837346 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 0 | 7.815 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 13138 | Yes | Employed | Not Employed | No | No | No |  |
| 837387 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1380 | 7.697 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 3732.73 | Yes | Employed |  | No |  | No |  |
| 837459 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 837465 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4490 | 9.64 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 33006.76 | Yes | Employed |  | No |  | No |  |
| 837468 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2848.33 | 7.683 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 14606.99 | Yes | Retired |  | No |  | No |  |
| 837558 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1640 | 7.948 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 4602.68 | N/A | Retired | Retired | No | No | No |  |
| 837609 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 837814 | xxxxxx | xxxxxx | 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 | 4222.4 | 9.506 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 19122.87 | Yes | Employed |  | No |  | No |  |
| 837825 | xxxxxx | xxxxxx | 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 | 7095 | 9.907 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 10922.3 | N/A | Employed |  | No |  | No |  |
| 837883 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1640 | 7.41 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 9556.8 | Yes | Retired |  | No |  | No |  |
| 837928 | xxxxxx | xxxxxx | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No | 9419.25 | 11.022 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 27747.33 | Yes | Employed |  | No |  | No |  |
| 837988 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 838120 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 838288 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 838463 | xxxxxx | xxxxxx | 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 | 74256.59 | N/A | Employed |  | No |  | Yes | Present |
| 838524 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2290 | 8.956 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 15134.39 | N/A | Employed | Employed | No | No | No |  |
| 838963 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 15775 | 7.805 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 8187.11 | N/A | Employed |  | No |  | No |  |
| 840631 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 841539 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3778 | 9.296 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 8356.46 | N/A | Employed |  | No |  | No |  |
| 842125 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 842325 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 842399 | xxxxxx | xxxxxx | 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 | 3144.2 | 11.03 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 15758.59 | Yes | Employed |  | No |  | No |  |
| 842410 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | xxxxxx |  | Yes | Present |
| 842420 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1195.83 | 9.009 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5452.74 | Yes | Employed |  | No |  | No |  |
| 842618 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2211.82 | 9.777 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 4387.27 | N/A | Employed |  | No |  | No |  |
| 842926 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3078.98 | 10.195 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6264.69 | N/A | Employed | Employed | No | No | No |  |

---

## Exhibit 99.21

**EXHIBIT 99.21**

**CLARIFII VALUATION REPORT**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **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** |
| 775451 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-20-2022 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-20-2022 |
| 776282 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-26-2022 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 09-20-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 07-26-2022 |
| 776650 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-20-2022 | 1025 Small Residential Income Report |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-24-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-20-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 776657 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-27-2022 | 1073 Individual Condo Report |  | xxxxxx | xxxxxx | xxxxxx | 79.68 | 79.68 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-04-2022 |
| 776666 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-10-2022 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-14-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-14-2022 |
| 776671 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-19-2022 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-23-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 03-21-2022 |
| 776686 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-10-2022 | 1073 Individual Condo Report |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-10-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-10-2022 | Eligible |  |  |
| 776718 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-02-2022 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 78.41 | 78.41 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 05-25-2022 | Eligible |  |  |
| 776719 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-26-2022 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 06-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-09-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-31-2022 |
| 776741 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-18-2022 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 06-21-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-21-2022 | Eligible |  |  |
| 776777 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-14-2022 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 89.78 | 89.78 | xxxxxx | xxxxxx | -.0426 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0426 | xxxxxx | Reasonable | 05-06-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-27-2022 |
| 776782 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-29-2022 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | xxxxxx | -.0119 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0119 | xxxxxx | Reasonable | 05-07-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-19-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 04-05-2022 |
| 776788 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-02-2022 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Excellent | 04-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-09-2022 | Eligible |  |  |
| 777778 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-12-2022 | 1025 Small Residential Income Report |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 08-30-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 777945 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-30-2022 | 1073 Individual Condo Report |  | xxxxxx | xxxxxx | xxxxxx | 79.99 | 79.99 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 05-05-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-22-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-03-2022 |
| 777984 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-26-2022 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 70.15 | 70.15 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 06-02-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-31-2022 |
| 777985 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-26-2022 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 66.95 | 66.95 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 06-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-31-2022 |
| 777996 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-23-2022 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 06-30-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-26-2022 |
| 777999 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-22-2022 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 06-24-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-23-2022 |
| 778003 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-01-2022 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 07-13-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-05-2022 |
| 778004 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-05-2022 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 68.57 | 68.57 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 07-07-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-05-2022 | Eligible |  |  |
| 778176 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-12-2022 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 55 | 55 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 09-15-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 778714 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 07-09-2022 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 72.26 | 72.26 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 07-13-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-15-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 07-12-2022 |
| 778717 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-24-2022 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 07-05-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-10-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-28-2022 |
| 778730 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-17-2022 | 1073 Individual Condo Report |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 06-21-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-21-2022 |
| 778755 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-04-2022 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-15-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-05-2022 |
| 778759 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-12-2022 | 1073 Individual Condo Report |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 07-18-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-17-2022 | Eligible |  |  |
| 778789 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-22-2022 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 07-28-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-28-2022 | Eligible |  |  |
| 778924 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-30-2022 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 48.18 | 48.18 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 10-07-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 779171 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-19-2022 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 74.29 | 74.29 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 10-31-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-02-2022 |
| 779606 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-03-2022 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-18-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-09-2020 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 08-04-2022 |
| 779621 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-03-2022 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 09-07-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-06-2022 | Eligible |  |  |
| 780148 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-04-2022 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 11-11-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-23-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 11-08-2022 |
| 780178 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-13-2022 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 69.6 | 69.6 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-03-2022 | Eligible |  |  |
| 780200 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-29-2022 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-02-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 11-30-2022 |
| 780221 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-09-2022 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Excellent | 07-27-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-20-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 07-20-2022 |
| 780309 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-30-2022 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 09-20-2022 |
| 780552 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-14-2022 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 11-21-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 780598 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-19-2022 | 1073 Individual Condo Report |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-07-2022 |
| 780714 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-02-2022 | 1025 Small Residential Income Report |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 11-18-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 780985 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-28-2022 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-30-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 12-28-2022 |
| 781086 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-31-2022 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 11-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-31-2022 |
| 781148 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-28-2022 | 1025 Small Residential Income Report |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 11-07-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781288 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-14-2022 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 62.68 | 62.68 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 11-23-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 12-08-2022 |
| 781308 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-26-2022 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 89.92 | 89.92 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Reasonable | 11-25-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781324 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-14-2022 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 44.03 | 44.03 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Reasonable | 11-30-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781349 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-12-2022 | 1025 Small Residential Income Report |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Reasonable | 12-02-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781762 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-17-2022 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 46.98 | 46.98 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 11-28-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 11-23-2022 |
| 782250 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-30-2022 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 67.68 | 67.68 | xxxxxx | xxxxxx | .0369 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0369 | 12-12-2022 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 12-13-2022 |
| 782622 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-24-2022 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-29-2022 |
| 782627 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-28-2022 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 58.83 | 58.83 | xxxxxx | 0 | .0000 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | 96 | 0.04 | xxxxxx | xxxxxx | 11-18-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 11-01-2022 | Not Eligible |  |  |
| 782648 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-27-2022 | 1025 Small Residential Income Report |  | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | xxxxxx | .0000 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0777 | 75 | 0.25 | xxxxxx | xxxxxx | 09-30-2022 | xxxxxx | 0 | .0000 | xxxxxx | Reasonable | 09-27-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 782718 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-17-2022 | 1073 Individual Condo Report |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 11-22-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 782775 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-13-2022 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-22-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-13-2022 | Eligible |  |  |
| 782973 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-05-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-09-2023 |
| 783505 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-27-2022 | 1025 Small Residential Income Report |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | xxxxxx | -.0233 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0233 | xxxxxx | Reasonable | 12-27-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 783727 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-21-2022 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 12-08-2022 |
| 783752 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-26-2022 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-29-2022 |
| 783763 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-07-2022 | 1073 Individual Condo Report |  | xxxxxx | xxxxxx | xxxxxx | 66.67 | 66.67 | xxxxxx | xxxxxx | -.0333 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0333 | xxxxxx | Moderate | 12-19-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 12-15-2022 |
| 783869 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-09-2022 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-09-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 783885 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-10-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-13-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 783900 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-24-2022 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-26-2022 |
| 783910 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-09-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-12-2023 |
| 784023 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-26-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-03-2023 | Eligible | 1 | 02-03-2023 |
| 784122 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-09-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 29.41 | 29.41 | xxxxxx | 0 | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | 01-23-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 01-12-2023 |
| 784229 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-03-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 74.17 | 74.17 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-09-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 784600 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-09-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-17-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 01-10-2023 |
| 784656 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-21-2022 | 1025 Small Residential Income Report |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-02-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 785358 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-09-2023 | 1073 Individual Condo Report |  | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-06-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 785502 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-08-2023 | 1025 Small Residential Income Report |  | xxxxxx | xxxxxx | xxxxxx | 48.28 | 48.28 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-15-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 785696 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-26-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-06-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 03-03-2023 | Not Eligible |  |  |
| 785720 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-12-2023 | 1073 Individual Condo Report |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-17-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 01-12-2023 |
| 785891 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-16-2023 | 1073 Individual Condo Report |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-06-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 02-22-2023 | Eligible |  |  |
| 786025 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-25-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-01-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-01-2023 |
| 786085 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-24-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 69.1 | 69.1 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-08-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 786091 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-26-2022 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-20-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 786106 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-09-2022 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-15-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-12-2022 |
| 786121 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-06-2023 | 1073 Individual Condo Report |  | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | xxxxxx | -.0137 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0137 | xxxxxx | Low | 01-10-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-08-2023 |
| 786122 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-03-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-07-2023 |
| 786156 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-06-2023 | 1025 Small Residential Income Report |  | xxxxxx | xxxxxx | xxxxxx | 45.45 | 45.45 | xxxxxx | xxxxxx | -.0955 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0955 | xxxxxx | Moderate | 03-13-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 786183 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-28-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 43.59 | 43.59 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 03-01-2023 |
| 786242 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-12-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-17-2023 |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-15-2023 | Eligible | 1 | 03-15-2023 |
| 786257 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-07-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-15-2023 |
| 786371 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-04-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 71.86 | 71.86 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 03-09-2023 | Not Eligible | 1 | 03-09-2023 |
| 786540 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-30-2022 | Other |  | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | xxxxxx | -.0964 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0964 | xxxxxx | 03-08-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 786797 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-15-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-21-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 786855 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-16-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 64.75 | 64.75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 02-20-2023 |
| 786992 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-08-2022 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 07-12-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 07-09-2022 | Not Eligible |  |  |
| 787100 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-10-2022 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 89.96 | 89.96 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 03-15-2022 | Not Eligible |  |  |
| 790415 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-02-2023 | Other |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | 05-02-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 790416 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-26-2023 | 1025 Small Residential Income Report |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 05-04-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 790516 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-24-2023 | 1073 Individual Condo Report |  | xxxxxx | xxxxxx | xxxxxx | 68.15 | 68.15 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-30-2023 | Eligible |  |  |
| 790523 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-04-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 85 | 90 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 05-11-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 790570 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-15-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 06-02-2023 | Eligible | 1.2 | 06-02-2023 |
| 790595 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-06-2023 | 1073 Individual Condo Report |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 06-09-2023 |
| 790615 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-23-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 47.06 | 47.06 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 05-02-2023 | Eligible | 1 | 05-02-2023 |
| 790675 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-18-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-22-2023 |
| 790712 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-06-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 73 | 73 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 06-30-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 790872 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-06-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 06-08-2023 |
| 790922 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-02-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-07-2023 | Eligible | 1 | 06-07-2023 |
| 791176 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-12-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 64.69 | 64.69 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 06-14-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 791181 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-16-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 05-24-2023 | Eligible | 1 | 05-24-2023 |
| 791196 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-14-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 49.51 | 49.51 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-16-2023 |
| 791207 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-15-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 73.3 | 73.3 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 06-22-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 06-21-2023 |
| 791271 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-02-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-08-2023 |
| 791308 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-01-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 66.16 | 66.16 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-27-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-03-2023 |
| 791362 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-19-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-24-2023 |
| 791373 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-23-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-31-2023 |
| 791386 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-13-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 59.24 | 59.24 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-12-2023 |
| 791405 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-19-2023 | 1025 Small Residential Income Report |  | xxxxxx | xxxxxx | xxxxxx | 55 | 55 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 06-27-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 791458 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-02-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 06-06-2023 |
| 791497 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-10-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 05-15-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 791498 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-18-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 05-01-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 791502 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 04-27-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 05-12-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 791511 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 04-24-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | xxxxxx | -.0283 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0283 | xxxxxx | Moderate | 05-03-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 791609 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-01-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-17-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 07-10-2023 |
| 791636 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-11-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 07-14-2023 | Eligible |  |  |
| 791692 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-05-2023 | 1073 Individual Condo Report |  | xxxxxx | xxxxxx | xxxxxx | 59.48 | 59.48 | xxxxxx | xxxxxx | .1286 | 1073 Individual Condo Report |  |  |  |  | xxxxxx | xxxxxx | .1286 | 05-06-2023 | 1073 Individual Condo Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 791859 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-09-2023 | 1073 Individual Condo Report |  | xxxxxx | xxxxxx | xxxxxx | 50.85 | 50.85 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 06-14-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-12-2023 |
| 791993 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-29-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 73.61 | 73.61 | xxxxxx | xxxxxx | -.0240 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0240 | xxxxxx | Moderate | 07-03-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 06-29-2023 | Not Eligible | 3.8 | 06-29-2023 |
| 792004 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-17-2023 | Other |  | xxxxxx | xxxxxx | xxxxxx | 62.79 | 62.79 | xxxxxx | xxxxxx | .0233 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0233 | xxxxxx | 07-21-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 792186 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-26-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 06-28-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-27-2023 |
| 792303 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-03-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 52.31 | 52.31 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-13-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 07-05-2023 |
| 792377 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-29-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-10-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 792475 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-06-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 49.76 | 49.76 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-07-2023 |
| 792515 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-10-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 05-19-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 792524 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-06-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 06-15-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-14-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 792525 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-09-2023 | 1073 Individual Condo Report |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 05-16-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 792752 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-12-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 07-21-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | 07-18-2023 |
| 792795 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-21-2023 | 1025 Small Residential Income Report |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-18-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 792799 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-16-2023 | 1025 Small Residential Income Report |  | xxxxxx | xxxxxx | xxxxxx | 69 | 69 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-13-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-16-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 792939 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-13-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-19-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 07-17-2023 | Eligible |  |  |
| 793064 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-09-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-13-2023 | Eligible | 1 | 07-13-2023 |
| 793088 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-30-2023 | 1025 Small Residential Income Report |  | xxxxxx | xxxxxx | xxxxxx | 69.64 | 69.64 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 07-14-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 793130 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-24-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-28-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 07-26-2023 | Eligible |  |  |
| 793142 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-25-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-28-2023 |
| 793179 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-19-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 57.26 | 57.26 | xxxxxx | xxxxxx | .0395 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 07-20-2023 | Eligible | 1 | 07-19-2023 |
| 793274 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-20-2023 | 1025 Small Residential Income Report |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 06-29-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 793354 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-19-2023 | 1073 Individual Condo Report |  | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-04-2023 |
| 793539 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-07-2023 | 1073 Individual Condo Report |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-21-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | 06-29-2023 |
| 793733 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-23-2023 | 1025 Small Residential Income Report |  | xxxxxx | xxxxxx | xxxxxx | 57.69 | 57.69 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 06-22-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-09-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 793736 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-25-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 84 | 84 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-25-2023 |
| 793899 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-31-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-17-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-10-2023 |
| 793966 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-24-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 16.67 | 16.67 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-05-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 07-11-2023 |
| 794132 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-07-2023 | 1025 Small Residential Income Report |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 07-17-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 794191 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-25-2023 | 1073 Individual Condo Report |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-30-2023 | Eligible | 1.6 | 07-30-2023 |
| 794434 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-03-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-17-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-15-2023 |
| 794856 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-09-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 39.51 | 39.51 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-17-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-11-2023 |
| 794911 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-16-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-21-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-16-2023 |
| 794932 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-04-2023 | 1073 Individual Condo Report |  | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | xxxxxx | .0005 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0005 | xxxxxx | Moderate | 08-11-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 794987 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-01-2023 | 1025 Small Residential Income Report |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-17-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 795450 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-18-2023 | 1025 Small Residential Income Report |  | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-12-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 795736 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-22-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 38.55 | 38.55 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 09-28-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 08-25-2023 |
| 795916 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-15-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 36.56 | 36.56 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-03-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 795941 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-21-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 08-24-2023 | Eligible | 1 | 08-24-2023 |
| 795965 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 08-30-2023 | 1025 Small Residential Income Report |  | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 09-08-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 795981 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 08-16-2023 | 1073 Individual Condo Report |  | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-17-2023 |
| 796010 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-31-2023 | 1025 Small Residential Income Report |  | xxxxxx | xxxxxx | xxxxxx | 35.14 | 35.14 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-04-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 796053 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-10-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 62.61 | 62.61 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Reasonable | 07-24-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-20-2023 |
| 796100 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 08-24-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 57.64 | 57.64 | xxxxxx | xxxxxx | .0025 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 09-15-2023 |
| 796111 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-30-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 09-29-2023 | Eligible | 1.3 | 09-29-2023 |
| 796141 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-31-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 09-11-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-06-2023 |
| 796199 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-25-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 46.29 | 46.29 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 09-21-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-15-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-29-2023 |
| 796237 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 08-16-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-16-2023 | Eligible | 1 | 08-16-2023 |
| 796443 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-01-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-08-2023 |
| 796449 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-01-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Reasonable | 08-01-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-02-2023 | Eligible |  |  |
| 796527 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-03-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 09-19-2023 |
| 796538 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-30-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 09-19-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 07-30-2023 |
| 796551 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-09-2023 | 1073 Individual Condo Report |  | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-14-2023 | Eligible | 1.3 | 08-14-2023 |
| 796616 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-11-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-17-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-18-2023 |
| 796636 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 07-25-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 09-22-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 09-06-2023 |
| 796815 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 07-22-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 69.89 | 69.89 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 07-26-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 796821 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-26-2023 | 1073 Individual Condo Report |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-31-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-31-2023 |
| 796855 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-22-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | xxxxxx | -.0145 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0145 | xxxxxx | Low | 08-29-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-27-2023 |
| 796863 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-30-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 09-06-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-06-2023 |
| 796865 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-24-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 08-24-2023 |
| 796891 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-12-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 09-13-2023 |
| 796918 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-25-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-31-2023 |
| 796991 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-12-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 09-21-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-14-2023 |
| 797166 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-06-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-02-2023 | Eligible | 1.7 | 10-02-2023 |
| 797170 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-18-2023 | 1073 Individual Condo Report |  | xxxxxx | xxxxxx | xxxxxx | 50 | 50 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 09-21-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 09-19-2023 |
| 797273 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-14-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-18-2023 |
| 797321 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-30-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-30-2023 |
| 797432 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-27-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 35.29 | 35.29 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-28-2023 |
| 797683 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-11-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 09-15-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-14-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-22-2023 |
| 797798 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-15-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-26-2023 | Eligible | 1 | 09-26-2023 |
| 797803 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-15-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 09-20-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-18-2023 |
| 797810 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-30-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 09-11-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 09-07-2023 |
| 797937 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-14-2023 | 1073 Individual Condo Report |  | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 09-20-2023 |
| 798154 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-20-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 09-26-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 09-21-2023 | Not Eligible |  |  |
| 798339 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-29-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 66.31 | 66.31 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 10-02-2023 |
| 798357 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-03-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-05-2023 | Eligible |  |  |
| 798404 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-03-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | xxxxxx | .0281 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0281 | 10-13-2023 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-03-2023 |
| 798481 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-03-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 10-04-2023 | Eligible | 1 | 10-04-2023 |
| 798549 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-20-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 09-21-2023 |
| 798609 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-22-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-12-2023 |
| 798720 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-15-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 10-13-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-11-2023 |
| 798892 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-26-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 79.62 | 79.62 | xxxxxx | xxxxxx | .0302 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0302 | 09-28-2023 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 09-29-2023 |
| 798970 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-20-2023 | 1073 Individual Condo Report |  | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-24-2023 | Eligible | 1 | 10-24-2023 |
| 799087 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-25-2023 | 1073 Individual Condo Report |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 10-20-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 10-17-2023 |
| 799093 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-03-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 10-04-2023 |
| 799115 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-09-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | N/A | 10-16-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 10-11-2023 |
| 799410 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-30-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 10-10-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 10-10-2023 |
| 799429 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-23-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 10-26-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-26-2023 |
| 799432 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-04-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | 1004 URAR |  |  |  |  | xxxxxx | 0 | .0000 | 10-11-2023 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 10-20-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |  |
| 799449 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-27-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 10-12-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-29-2023 | Eligible |  |  |
| 799450 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-04-2023 | 1025 Small Residential Income Report |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 10-11-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 799462 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-13-2023 | 1025 Small Residential Income Report |  | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 10-25-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 799567 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-05-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 10-10-2023 |
| 799616 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-05-2023 | 1025 Small Residential Income Report |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 10-16-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 799831 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-11-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | 1004 URAR |  |  |  |  | xxxxxx | 0 | .0000 | 10-10-2023 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 799849 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-17-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 11-28-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | 11-22-2023 |
| 802994 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-21-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 12-27-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-22-2023 |
| 803021 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-29-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 59.67 | 59.67 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-03-2023 |
| 803064 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-20-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 11-27-2023 |
| 803267 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-05-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-05-2023 | Eligible | 2.2 | 12-05-2023 |
| 803308 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-04-2023 | 1073 Individual Condo Report |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 12-18-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 803573 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-02-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 49.7 | 49.7 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | low | 12-15-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | 12-08-2023 |
| 803587 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-12-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 64.98 | 64.98 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-13-2023 | Eligible | 1 | 12-13-2023 |
| 803844 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-07-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 36.5 | 36.5 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-09-2023 |
| 803984 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-20-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 29.52 | 29.52 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-03-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 | 01-02-2024 |
| 803997 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-20-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-04-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-01-2024 | Eligible |  |  |
| 804021 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-20-2023 | 1073 Individual Condo Report |  | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 01-02-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 | 12-22-2023 |
| 804027 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-28-2023 | 1073 Individual Condo Report |  | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-02-2024 |
| 804051 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-05-2023 | 1025 Small Residential Income Report |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 12-14-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 804103 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-17-2023 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-03-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | 12-29-2023 |
| 808236 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-19-2024 | 1025 Small Residential Income Report |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-29-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 808347 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-27-2024 | 1073 Individual Condo Report |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-01-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.7 | 03-12-2024 |
| 808394 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-27-2024 | 1025 Small Residential Income Report |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-06-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 808494 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-07-2024 | 1025 Small Residential Income Report |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-16-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 808541 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-28-2024 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-04-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-04-2024 |
| 808798 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-16-2024 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-14-2024 |
| 808872 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 03-11-2024 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-15-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 808878 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-07-2024 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-07-2027 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 809267 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-16-2024 | Other |  | xxxxxx | xxxxxx | xxxxxx | 61.32 | 61.32 | xxxxxx | xxxxxx | .0532 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0532 | xxxxxx | 03-20-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 809271 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-15-2024 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-28-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 829912 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-04-2025 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 11.06 | 79.76 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-04-2025 | Eligible |  |  |
| 831565 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-06-2025 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 30.86 | 30.86 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 831627 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-28-2025 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-04-2025 | Eligible | 1 | 03-04-2025 |
| 836028 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-15-2025 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-09-2025 | Eligible | 1 | 05-09-2025 |
| 836319 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-25-2025 | 1025 Small Residential Income Report |  | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836564 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-14-2025 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-18-2025 | Eligible | 1 | 04-18-2025 |
| 836569 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-29-2025 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 12.28 | 66.11 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-10-2025 |
| 836620 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-03-2025 | 1073 Individual Condo Report |  | xxxxxx | xxxxxx | xxxxxx | 79.05 | 79.05 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-07-2025 |
| 836624 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-16-2025 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-21-2025 | Eligible | 1 | 04-21-2025 |
| 836695 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-28-2025 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-01-2025 | Eligible | 1 | 05-01-2025 |
| 836750 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-22-2025 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 03-27-2025 |
| 836783 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-04-2025 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-09-2025 | Eligible |  |  |
| 836856 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-16-2025 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 59.99 | 59.99 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-29-2025 | Eligible | 1 | 04-29-2025 |
| 836934 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-19-2024 | 1025 Small Residential Income Report |  | xxxxxx | xxxxxx | xxxxxx | 74.99 | 74.99 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836958 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-06-2025 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-14-2025 | Eligible | 1 | 05-14-2025 |
| 836965 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-17-2025 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 16.82 | 56.53 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-21-2025 |
| 836966 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-04-2025 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 14.88 | 70.31 | xxxxxx | xxxxxx | -.0021 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0021 | 93 | 0.07 | xxxxxx | xxxxx | 03-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-05-2025 | Eligible |  |  |
| 836967 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-22-2025 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-23-2025 |
| 836974 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-22-2025 | 1073 Individual Condo Report |  | xxxxxx | xxxxxx | xxxxxx | 50 | 50 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-27-2025 | Eligible | 1 | 04-27-2025 |
| 837040 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 04-11-2025 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 04-11-2025 | Not Eligible | 2.5 | 04-11-2025 |
| 837054 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-13-2025 | 1025 Small Residential Income Report |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 05-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837069 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-23-2025 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-23-2025 | Eligible | 1.7 | 04-23-2025 |
| 837078 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-21-2025 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-23-2025 | Eligible | 1 | 05-23-2025 |
| 837139 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-19-2025 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-22-2025 |
| 837219 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-23-2025 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 53.49 | 53.49 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 04-25-2025 | Not Eligible | 1 | 04-25-2025 |
| 837316 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-09-2025 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-14-2025 |
| 837345 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-24-2025 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | xxxxxx | -.0580 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0580 | xxxxxx | Moderate | 05-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837346 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-05-2025 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-16-2025 |
| 837387 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-08-2025 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-09-2025 | Eligible | 1 | 05-09-2025 |
| 837459 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-07-2025 | Other |  | xxxxxx | xxxxxx | xxxxxx | 68.94 | 68.94 | xxxxxx | xxxxxx | -.0182 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0182 | xxxxxx | 03-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837465 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-06-2025 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 26.6 | 61.91 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 05-07-2025 | Not Eligible | 1 | 05-07-2025 |
| 837468 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-25-2025 | 1073 Individual Condo Report |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-14-2025 |
| 837558 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-13-2025 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 05-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837609 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-12-2025 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-14-2025 | Eligible | 1 | 05-14-2025 |
| 837814 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-12-2025 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 12.65 | 65.34 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 05-14-2025 |
| 837825 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-03-2025 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 47.62 | 78.34 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837883 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-19-2025 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-19-2025 | Eligible | 1 | 05-19-2025 |
| 837928 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-23-2025 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 79.99 | 79.99 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 04-25-2025 |
| 837988 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-05-2025 | 1073 Individual Condo Report |  | xxxxxx | xxxxxx | xxxxxx | 46.63 | 46.63 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 05-20-2025 |
| 838120 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-07-2025 | 1073 Individual Condo Report |  | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 05-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838288 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-29-2025 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | xxxxxx | -.0173 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0173 | 98 | 0.02 | xxxxxx | xxxxx | 05-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838463 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-14-2025 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 05-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838524 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-28-2025 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 29.67 | 78.93 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 06-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-02-2025 | Eligible |  |  |
| 838963 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-21-2025 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-29-2025 | Eligible | 1 | 04-29-2025 |
| 840631 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-05-2025 | 1025 Small Residential Income Report |  | xxxxxx | xxxxxx | xxxxxx | 64.96 | 64.96 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 06-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841539 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-15-2025 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 19.05 | 54.12 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 05-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842125 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-01-2025 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Reasonable | 05-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842325 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-25-2025 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 07-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842399 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-02-2025 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 20.41 | 67.62 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 06-04-2025 |
| 842410 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-09-2025 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 07-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842420 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-10-2025 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 19.86 | 58.71 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-16-2025 |
| 842618 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-15-2025 | AVM |  | xxxxxx | xxxxxx | xxxxxx | 21.14 | 79.74 | xxxxxx | xxxxxx | -.0672 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0672 | 90 | 0.1 | xxxxxx | Other | 08-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842926 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-27-2025 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 17.62 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-30-2025 | Eligible | 1 | 06-30-2025 |

---

## Exhibit 99.22

**EXHIBIT 99.22**

**DIGITAL RISK, LLC ("DIGITAL RISK") EXECUTIVE SUMMARY**

![](tm2529005d1_ex99-22img001.jpg)

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

**Overview**

Digital Risk, LLC ("Digital Risk"), a third party due diligence provider, performed the review described below on behalf of its client, VMC Asset Pooler, LLC. The review included a total of 21 newly originated residential mortgage loans, in connection with the securitization identified as Verus 2025-10 (the "Securitization"). The review began on July 16, 2022, and concluded on May 16, 2025.

The third-party due diligence services are intended to generally comply with currently known rating agency criteria for newly originated mortgage loans.

---

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

---

**Scope of Review**

**Credit Review**

Digital Risk 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:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Acceptable credit history and credit score requirements in conformance with applicable guidelines

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Compliance Review**

Digital Risk performed a "Compliance Review" to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. The Compliance Review included the following:

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

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

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

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

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

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

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

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

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

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

ii. Compliance with the escrow account and appraisal requirements.

c. Business Purpose Loan Compliance Review

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

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

ii. Verify application address is different from subject property

iii. Verify executed by all borrowers

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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 Digital Risk are dependent upon its receiving complete and accurate data regarding the loans from loan originators and other third parties upon which Digital Risk is relying in reaching such findings.

**Valuation Review**

Digital Risk performed a "Valuation Review," which included the following:

a. <u>Review Appraisal</u> 

b. Digital Risk's review will include a review of the valuation materials utilized during the origination
of the loan and in confirming the value of the underlying property. Digital Risk's review will include verifying the appraisal report:

c. On the appropriate appraisal form:

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

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

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

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

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

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

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

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

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

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

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

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

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

**Data Discrepancy Report**

As part of the Credit and Compliance Reviews, Digital Risk captured data from the source documents and compared it to a data tape provided by Client. Digital Risk provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by Digital Risk during the diligence process. Tape values that are blank indicate that the data was not provided on the provided data tape but Digital Risk captured it during the review. The table below reflects the discrepancies inclusive of the blank data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Origination/Note Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;4.76% |
| &nbsp;&nbsp;Property Acquisition Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;4.76% |
| &nbsp;&nbsp;Total Cash Reserves | &nbsp;&nbsp;4 | &nbsp;&nbsp;19.05% |

---

**Summary of Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;20 | &nbsp;&nbsp;$5693820.00 | &nbsp;&nbsp;95.24% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;1 | &nbsp;&nbsp;$195600.00 | &nbsp;&nbsp;4.76% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;21 | &nbsp;&nbsp;$5889420.00 | &nbsp;&nbsp;100.00% |
| **Credit Results:** | **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;21 | &nbsp;&nbsp;$5889420.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;21 | &nbsp;&nbsp;$5889420.00 | &nbsp;&nbsp;100.00% |
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;21 | &nbsp;&nbsp;$5889420.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;21 | &nbsp;&nbsp;$5889420.00 | &nbsp;&nbsp;100.00% |
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;20 | &nbsp;&nbsp;$5693820.00 | &nbsp;&nbsp;95.24% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;1 | &nbsp;&nbsp;$195600.00 | &nbsp;&nbsp;4.76% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;21 | &nbsp;&nbsp;$5889420.00 | &nbsp;&nbsp;100.00% |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Compliance Event Grades** | &nbsp;&nbsp;**Compliance Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan 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 99.23

**EXHIBIT 99.23**

**DIGITAL RISK EXCEPTION REPORT**

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Last Name** | **Note Date** | **Original Loan Amount** | **QM Status** | **ATR Status** | **Compliance Exceptions** | **Credit Exceptions** | **Property Valuation Exceptions** | **Compensating Factors** | **Initial Rating** | **Final Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Property Valuation Rating** | **Final Property Valuation Rating** |
| xxxxxx | 791556 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | **(Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.<br>**  |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 791561 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | **(Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.<br>**  |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 793089 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | **(Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.<br>**  |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 793113 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | **(Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>**  | **(Clear) Assets - Cash to Close- <br>Assets were required in the amount of $125,902.87 ($2,950 EMD + $111,264.51 funds to close + $11,688.36 reserves). The file is missing all asset documentation. Additional conditions may apply.<br>Response 1 (06/21/2023 1:43PM)<br> A VOD for xxxxxx Bank was provided with account balance of $128,853.27 as of 6/5/2023. This met the assets required of $125,902.87. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.<br>**  |  | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| xxxxxx | 793105 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | **(Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.** | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.**  | **(Acknowledged) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contained a CDA that did not support the original appraised value. A BPO was ordered and supported. Per the rating agencies as it was a second valuation product this is graded as an EV2.**  |  | 2 | 2 | 1 | 1 | 1 | 1 | 2 | 2 B A |
| xxxxxx | 773647 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | **(Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The File contains a xxxxxx internal Appraisal review which supports the value in the origination appraisal report<br>**  |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 775957 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | **(Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The File contains a CDA which supports the opinion of value in the origination report.<br>**  |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 797350 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | **(Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA which supports the opinion of value in the origination report.<br>**  |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 777788 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | **(Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The File contains a CDA which supports the opinion of value in the origination report.<br>**  |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 797357 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | **(Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.<br>**  |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 778133 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | **(Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The File contains a CDA which supports the opinion of value in the origination report.<br>**  |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 797387 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | **(Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA which supports the opinion of value in the origination report.<br>**  |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 797386 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | **(Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.<br>**  |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 797382 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | **(Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA which supports the opinion of value in the origination report.<br>**  |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 778666 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | **(Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a AVR that supports the opinion of value in the origination appraisal report.<br>**  |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 803683 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | **(Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>**  | **(Clear) Assets - Cash to Close- <br>Funds for closing were required in the amount of $154,632.63 ($4000 EMD + $14,954.28 reserves + $135,678.35 funds due at closing). The final application indicates xxxxxx acct xxxxxx with a balance of xxxxxx (70%) and EMD of $4,000. However, none of these funds have been documented in the loan file. Additional condition may apply.<br>Response 1 (11/28/2023 8:48AM)<br> $4,000 EMD receipt from xxxxxx dated 10/2/2023 and xxxxxx statement dated 11/5/2023 in the amount of $776,160 (xxxxxx used at origination) provided. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA which supports the opinion of value in the origination report.<br>**  |  | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| xxxxxx | 803689 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | **(Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA which supports the opinion of value in the origination report.<br>**  |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 803690 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | **(Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.<br>**  |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 803694 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | **(Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.<br>**  |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 803719 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | **(Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.<br>**  |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 803705 | xxxxxx | xxxxxx | xxxxxx | QM Exempt | ATR Exempt | **(Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.<br>**  |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |

---

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Finding #** | **Last Name** | **Note Date** | **Audit Category** | **Audit Issue** | **Finding ID** | **Exception Finding** | **Remediation Status** | **Exception Rebuttal** | **Exception Response** | **Status Comment** | **Compensating Factors** | **Initial Findings Grade** | **Final Findings Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| xxxxxx | 777788 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 777788 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 777788 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The File contains a CDA which supports the opinion of value in the origination report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 775957 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 775957 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 775957 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The File contains a CDA which supports the opinion of value in the origination report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 778133 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 778133 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 778133 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The File contains a CDA which supports the opinion of value in the origination report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 791556 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 791556 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 791556 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 791561 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 791561 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 791561 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 793089 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 793089 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 793089 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 793113 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| xxxxxx | 793113 | 2 of 3 | xxxxxx | xxxxxx | Credit | Assets - Cash to Close | xxxxxx | Assets were required in the amount of $125,902.87 ($2,950 EMD + $111,264.51 funds to close + $11,688.36 reserves). The file is missing all asset documentation. Additional conditions may apply. | Resolved | **Rebuttal 1 (06/20/2023 5:30PM)<br> Provided IBV<br>**  | **Response 1 (06/21/2023 1:43PM)<br> A VOD for xxxxxx Bank was provided with account balance of $128,853.27 as of 6/5/2023. This met the assets required of $125,902.87. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| xxxxxx | 793113 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| xxxxxx | 793105 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 793105 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 793105 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contained a CDA that did not support the original appraised value. A BPO was ordered and supported. Per the rating agencies as it was a second valuation product this is graded as an EV2. |  |  |  |  |  | 2 | 2 | 2 | 2 |
| xxxxxx | 797357 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 797357 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 797357 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 797350 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 797350 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 797350 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA which supports the opinion of value in the origination report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 797386 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 797386 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 797386 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 797387 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 797387 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 797387 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA which supports the opinion of value in the origination report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 797382 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 797382 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 797382 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA which supports the opinion of value in the origination report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 803689 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 803689 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 803689 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA which supports the opinion of value in the origination report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 803683 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| xxxxxx | 803683 | 2 of 3 | xxxxxx | xxxxxx | Credit | Assets - Cash to Close | xxxxxx | Funds for closing were required in the amount of $154,632.63 ($4000 EMD + $14,954.28 reserves + $135,678.35 funds due at closing). The final application indicates xxxxxx acct xxxxxx with a balance of xxxxxx (70%) and EMD of $4,000. However, none of these funds have been documented in the loan file. Additional condition may apply. | Resolved | **Rebuttal 1 (11/27/2023 5:05PM)<br> Provided Assets<br>**  | **Response 1 (11/28/2023 8:48AM)<br> $4,000 EMD receipt from xxxxxx dated 10/2/2023 and xxxxxx statement dated 11/5/2023 in the amount of $776,160 (xxxxxx used at origination) provided. (Resolved)** |  |  | 3 | 1 | 3 | 1 |
| xxxxxx | 803683 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA which supports the opinion of value in the origination report. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| xxxxxx | 803694 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 803694 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 803694 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 803705 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 803705 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 803705 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 803690 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 803690 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 803690 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 803719 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 803719 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 803719 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 773647 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 773647 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 773647 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The File contains a xxxxxx internal Appraisal review which supports the value in the origination appraisal report |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 778666 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 778666 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 778666 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a AVR that supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |

---

## Exhibit 99.24

**EXHIBIT 99.24**

**DIGITAL RISK RATING AGENCY GRADES**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Original Loan Amount** | **Initial Rating** | **Final Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Property Valuation Rating** | **Final Property Valuation Rating** |
| xxxxxx | 791556 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 791561 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 793089 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 793113 | xxxxxx | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| xxxxxx | 793105 | xxxxxx | 2 | 2 | 1 | 1 | 1 | 1 | 2 | 2 B A |
| xxxxxx | 773647 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 775957 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 797350 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 777788 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 797357 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 778133 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 797387 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 797386 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 797382 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 778666 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 803683 | xxxxxx | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| xxxxxx | 803689 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 803690 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 803694 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 803719 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 803705 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |

---

## Exhibit 99.25

**EXHIBIT 99.25**

**DIGITAL RISK DATA INTEGRITY REPORT**

**Report Pulled: 10/7/2025**

**Loan Count: 21**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Audit ID** | **Loan Number** | **Loan ID** | **Borrower Last Name** | **Field** | **Tape Data** | **Review Data** |
| xxxxxx | xxxxxx | 791556 | xxxxxx | Origination/Note Date | xxxxxx | xxxxxx |
| xxxxxx | xxxxxx | 793089 | xxxxxx | Total Cash Reserves | 27667.92 | 25400.83 |
| xxxxxx | xxxxxx | 793113 | xxxxxx | Total Cash Reserves | 15880.98 | 14638.00 |
| xxxxxx | xxxxxx | 793105 | xxxxxx | Total Cash Reserves | 89920.59 | 96683.00 |
| xxxxxx | xxxxxx | 797386 | xxxxxx | Total Cash Reserves | 22990.52 | 23221.54 |
| xxxxxx | xxxxxx | 778666 | xxxxxx | Property Acquisition Date | xxxxxx | xxxxxx |

---

## Exhibit 99.26

**EXHIBIT 99.26**

**DIGITAL RISK QM STATUS REPORT**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Original Loan Amount** | **QM Status** | **ATR Status** |
| xxxxxx | 777788 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 775957 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 778133 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 791556 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 791561 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 793089 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 793113 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 793105 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 797357 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 797350 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 797386 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 797387 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 797382 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 803689 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 803683 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 803694 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 803705 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 803690 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 803719 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 773647 | xxxxxx | QM Exempt | ATR Exempt |
| xxxxxx | 778666 | xxxxxx | QM Exempt | ATR Exempt |

---

## Exhibit 99.27

**EXHIBIT 99.27**

**DIGITAL RISK VALUATION REPORT**

Valuation Securitization Report

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |
| **Customer Loan ID** | **Seller Loan ID** | **Subject Address** | **Subject City** | **Subject State** | **Subject Zip** | **Note Date** | **Original Loan Amount** | **Sales Price** | **PIW Indicator** | **Appraised Value** | **Value for LTV** | **Appraisal Form Type** | **Appraisal Date** | **Appraisal Company Name** | **AVM Confidence Score** | **AVM FSD Score** | **Market Condition** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **AVM FSD Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| 803694 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 11/01/2023 | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 11/09/2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 797387 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 08/09/2023 | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 08/17/2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 797386 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 08/13/2023 | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 08/21/2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 793113 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 05/24/2023 | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 05/26/2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 791556 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1025 | 01/26/2023 | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 01/31/2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 777788 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 06/06/2022 | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 06/14/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 775957 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 06/20/2022 | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 06/27/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 793089 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1025 | 05/12/2023 | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 05/30/2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 773647 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | Other | 06/13/2022 | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 3.922% | xxxxxx |  | 06/21/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 803705 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 10/27/2023 | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -3.226% | xxxxxx |  | 11/06/2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 778666 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | Other | 05/26/2022 | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 5.882% | xxxxxx |  | 09/06/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 778133 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 04/25/2022 | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 08/04/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 791561 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 05/12/2023 | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 05/17/2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 793105 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1025 | 06/01/2023 | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -13.858% | xxxxxx |  | 06/14/2023 | xxxxxx | xxxxxx | -2.622% | xxxxxx | 06/17/2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 797382 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 05/31/2023 | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 08/14/2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 803690 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 10/31/2023 | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 11/07/2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 803719 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1025 | 11/01/2023 | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 11/07/2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 803683 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 10/06/2023 | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 10/18/2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 803689 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 10/06/2023 | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 11/02/2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 797350 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1025 | 08/04/2023 | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 08/09/2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 797357 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1025 | 07/19/2023 | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 07/27/2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.28

**EXHIBIT 99.28**

**CLAYTON SERVICES LLC ("CLAYTON") DUE DILIGENCE NARRATIVE REPORT**

![](tm2529005d1_ex99-28img001.jpg)

![](tm2529005d1_ex99-28img003.jpg)

**October 21, 2025<br> Due Diligence Narrative Report**

![](tm2529005d1_ex99-28img001.jpg)

**Table of Contents**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **2** |
| &nbsp;&nbsp;&nbsp;*Sampling* | 3 |
| &nbsp;&nbsp;&nbsp;*Sponsor Acquisition Criteria* | 3 |
| &nbsp;&nbsp;&nbsp;*Loan Grading* | 3 |
| &nbsp;&nbsp;&nbsp;*TPR Component Review Scope* | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 4 |
| &nbsp;&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** | **8** |
| **Clayton Due Diligence Results** | **9** |
| **Clayton Third Party Reports Delivered** | **10** |
| **Appendix A: Credit Review Scope** | **10** |
| **Appendix B: Origination Appraisal Assessment** | **13** |
| **Appendix C: Regulatory Compliance Review Scope** | **16** |

---

 ****

Verus 2025-10 Due Diligence Narrative Report Page \| 1 October 21, 2025

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**Clayton Contact Information**

**Client Service Management:** 

---

| | | |
|:---|:---|:---|
| ![](tm2529005d1_ex99-28img002.jpg) | **Michael Taylor** | Client Service Director |
|  |  | Phone: (813) 261-8915/E-mail: <u>mtaylor@clayton.com</u> |

---

---

| | | |
|:---|:---|:---|
| ![](tm2529005d1_ex99-28img002.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview**

Clayton Services LLC ("Clayton") conducted an independent third-party pre-securitization due diligence review of 142 residential loans selected for Verus 2025-10. The loans referenced in this narrative report were reviewed from 6/2022 to 8/2025. This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton's review. The population of 142 loans were purchased on a Reliance Letter.

**Originators**

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **Percentage** |
| Broker | 136 | 95.77% |
| Retail | 6 | 4.23% |
| **Total** | **142** | **100.00%** |

---

**Clayton'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. This is referred to as a "Full Review."

Verus 2025-10 Due Diligence Narrative Report Page \| 2 October 21, 2025

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 ****

Sampling

For all originators in this transaction, 100% of the loans received a Full Review as described below.

Review Type Loan Counts

---

| | | |
|:---|:---|:---|
| ***Review Type*** | ***Loan Count***<br> ***Reviewed by<br> Clayton***  | ***Scope Applied*** |
| **Full Review** | 142 | Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| **Total Loan Population** | 142 |  |

---

Sponsor Acquisition Criteria

The loans were underwritten to origination guidelines. Clayton was supplied with all the guidelines in advance of our review.

Clayton was supplied with all of the changes to the guidelines with advance notice.

Loan Grading

The Sponsor Acquisition Criteria referenced above served as the benchmark for grading loans from a credit underwriting, property valuation and regulatory compliance perspective, as applicable. 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 S&P Global Ratings ("S&P").

Verus 2025-10 Due Diligence Narrative Report Page \| 3 October 21, 2025

![](tm2529005d1_ex99-28img001.jpg)

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 loan documentation provided to Clayton.

Credit Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Assessed
 whether the characteristics of the mortgage loans and the borrowers conformed to the Sponsor
 Acquisition Criteria cited above;

&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 Sponsor Acquisition Criteria;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Analyzed
 asset statements in order to determine whether funds to close and reserves were within Sponsor
 Acquisition Criteria;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Confirmed
 that credit scores (FICO) and credit histories were within Sponsor Acquisition Criteria;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ DSCR
 Loans- Reviewed lease agreements and third-party market rent
 documents to confirm compliance with Debt-Service-Coverage-Ratio requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Examined
 Data Verify/Fraudgaurd/Interthinx or similar risk evaluation report, which was ordered by
 the Seller or Clayton and received by Clayton for Nationwide Mortgage Licensing System and
 Registry ("NMLS") and occupancy status alerts. Clayton researched alert information
 against loan documentation and assigned loan conditions accordingly.

Property Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original
 Appraisal Assessment

- 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 scope and desk review definitions, please refer to <u>Appendix B</u> and to the guidelines cited above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Value
 Supported Analysis (142 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;· AVM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· CU
 Score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· BPO

&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;· Drive
 By

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Full
 Appraisal

Additional valuation product was not required when CU score provided was below 2.5. In the event the CU score was equal to or greater than 2.5, additional valuation product was obtained to confirm value was supported. In some cases additional desk reviews were ordered on loans with an acceptable CU score based on guidance from the seller.

Verus 2025-10 Due Diligence Narrative Report Page \| 4 October 21, 2025

![](tm2529005d1_ex99-28img001.jpg)

Regulatory Compliance Review

Clayton's Regulatory Compliance scope of review conducted on this transaction included the elements summarized below. (For more detail, please refer to <u>Appendix C</u> and to the guidelines cited above.)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Assessed
 compliance with state specific consumer protection laws by testing late charge and prepayment
 penalty provisions;

&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;

Reviewed ATR/QM Ability to Repay (a/k/a Minimum Standards for Transactions): for applications on or after 1/10/2014. Clayton confirmed the loan files contain documentation to evidence the lender considered and verified the borrower's ability to Repay. This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. Non-QM loans were reviewed to ensure the lender documented that they considered and verified the eight (8) underwriting factors required for ATR compliance in accordance with either their guidelines or the Sponsor Acquisition Criteria;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The
 ATR/QM Rules allow the lender to exclude up to two discount points from the 3% points
 and fees evaluation depending on the loan's undiscounted interest rate in relation
 to the APOR index rate. The ATR/QM Rule does not set the required rate reduction per
 discount point.

Clayton evaluated the lender's exclusion of discount points from the 3% points and fees calculation for all loans in this transaction using a 0.2% rate reduction threshold per discount point.

- Prepayment Penalty restrictions.

TRID: on applicable loans, test compliance with the Integrated Mortgage Disclosure rules under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z) defined under the Dodd-Frank Wall Street Reform and Consumer Protection Act as promulgated by the Consumer Financial Protection Bureau.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Real
 Estate Settlement Procedures Act (RESPA) laws and regulations testing included:

- 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") firms' 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.

Verus 2025-10 Due Diligence Narrative Report Page \| 5 October 21, 2025

![](tm2529005d1_ex99-28img001.jpg)

On, June 15<sup>th</sup>, 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.

<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;· Cook
 County High Cost Ordinance

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

&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;· Sufficiency
 of coverage

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

Verus 2025-10 Due Diligence Narrative Report Page \| 6 October 21, 2025

![](tm2529005d1_ex99-28img001.jpg)

As of December 18, 2020, Clayton modified its system to not run regulatory compliance testing on business entities, including LLC's, unless there is also a co-borrower that is a natural person or a trust that is considered to be a "consumer" under TILA. Rather than migrating compliance findings to an A on such loans as was the previous process, going forward no compliance grades are assigned in these instances.

Data Integrity

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tape
 data received from lender/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

Data Capture

Clayton collected data fields required to create American Securitization Forum ("ASF") data disclosure requirements. The file format is 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.

Verus 2025-10 Due Diligence Narrative Report Page \| 7 October 21, 2025

![](tm2529005d1_ex99-28img001.jpg)

**Data Compare Results**

Clayton provided VMC Asset Pooler, LLC with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received by the seller versus the data captured by Clayton during the loan review.

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;ATR/QM Status | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.30% |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag | &nbsp;&nbsp;4 | &nbsp;&nbsp;97.18% |
| &nbsp;&nbsp;Borrower 1 Total Income | &nbsp;&nbsp;11 | &nbsp;&nbsp;92.25% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;98.59% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.30% |
| &nbsp;&nbsp;Borrower DSCR Percent | &nbsp;&nbsp;34 | &nbsp;&nbsp;76.06% |
| &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;99 | &nbsp;&nbsp;30.28% |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;30 | &nbsp;&nbsp;78.87% |
| &nbsp;&nbsp;Credit Report Date | &nbsp;&nbsp;18 | &nbsp;&nbsp;87.32% |
| &nbsp;&nbsp;Debt to Income Ratio (Back) | &nbsp;&nbsp;4 | &nbsp;&nbsp;97.18% |
| &nbsp;&nbsp;Disbursement Date | &nbsp;&nbsp;12 | &nbsp;&nbsp;91.55% |
| &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;21 | &nbsp;&nbsp;85.21% |
| &nbsp;&nbsp;DTI Qualifying (Back) | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.30% |
| &nbsp;&nbsp;DTI Qualifying (Front) | &nbsp;&nbsp;3 | &nbsp;&nbsp;97.89% |
| &nbsp;&nbsp;Ever in Foreclosure | &nbsp;&nbsp;6 | &nbsp;&nbsp;95.77% |
| &nbsp;&nbsp;First Rate Change Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;98.59% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;3 | &nbsp;&nbsp;97.89% |
| &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;122 | &nbsp;&nbsp;14.08% |
| &nbsp;&nbsp;Original Appraisal Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;97.18% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;3 | &nbsp;&nbsp;97.89% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;97.89% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;2 | &nbsp;&nbsp;98.59% |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;98.59% |
| &nbsp;&nbsp;Periodic Rate Cap | &nbsp;&nbsp;5 | &nbsp;&nbsp;96.48% |
| &nbsp;&nbsp;Prepay Penalty Flag | &nbsp;&nbsp;2 | &nbsp;&nbsp;98.59% |
| &nbsp;&nbsp;Product Type | &nbsp;&nbsp;31 | &nbsp;&nbsp;78.17% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;15 | &nbsp;&nbsp;89.44% |
| &nbsp;&nbsp;Representative Credit Score for Grading | &nbsp;&nbsp;2 | &nbsp;&nbsp;98.59% |
| &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;115 | &nbsp;&nbsp;19.01% |
| &nbsp;&nbsp;Total Monthly Income | &nbsp;&nbsp;11 | &nbsp;&nbsp;92.25% |

---

Verus 2025-10 Due Diligence Narrative Report Page \| 8 October 21, 2025

![](tm2529005d1_ex99-28img001.jpg)

**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 grade.

**Initial and Final Overall Loan Grade Results (S&P)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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** | 104 | 1 | 2 | 14 | **121** |
| **Final** | **B** |  | 9 | 7 | 5 | **21** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **104** | 10 | 9 | **19** | **142** |

---

\*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.

**Initial and Final Credit Component Grade Results (S&P)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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** | 118 | 1 |  | 14 | **133** |
| **Final** | **B** |  | 6 | 1 | 2 | **9** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **118** | 7 | 1 | **16** | **142** |

---

**Initial and Final Property Valuation Grade Results (S&P)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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 | 132 |  | 1 | 3 | **136** |
| **Final** | B |  | 5 | 1 |  | **6** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **132** | **5** | **2** | **3** | **142** |

---

Verus 2025-10 Due Diligence Narrative Report Page \| 9 October 21, 2025

![](tm2529005d1_ex99-28img001.jpg)

**Initial and Final Regulatory Compliance Grade Results (S&P)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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 | 81 |  | 2 | 3 | **86** |
| **Final** | B |  |  | 6 |  | **6** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **81** | **0** | **8** | **3** | **92** |

---

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

**Clayton Third Party Reports Delivered**

Clayton furnished the following reports on this transaction:

---

| |
|:---|
| &nbsp;&nbsp;1. ASF Report |
| &nbsp;&nbsp;2. ASF Supplement |
| &nbsp;&nbsp;3. Attestation Forms |
| &nbsp;&nbsp;4. Business Purpose Supplement |
| &nbsp;&nbsp;5. Conditions Report |
| &nbsp;&nbsp;6. Loan Level Tape Compare Upload |
| &nbsp;&nbsp;7. Narrative Report |
| &nbsp;&nbsp;8. Non/QM ATR Upload |
| &nbsp;&nbsp;9. Rating Agency Grades 2.0 |
| &nbsp;&nbsp;10. Valuation Summary Reports |

---

**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

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

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

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

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

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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 "its 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

**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)

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- 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:

If the appraisal was completed by a trainee or licensed appraiser unqualified to independently sign the report, an appropriately licensed appraiser co-signed as a supervisory appraiser and inspected the property

- 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 developed and communicated their analysis, opinion, and conclusion to intended users of their services in a manner that is meaningful and not misleading and that the appraisal is signed.

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

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- 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;▪ 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;▪ %
 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;▪ 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;▪ 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;▪ 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;▪ 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

G. Desk Review definitions

&nbsp;&nbsp;&nbsp;&nbsp;o Clear
 Capital "CDA" means a written retrospective analysis of an appraisal
 of residential real property relating to completeness, reasonableness, and relevance. The
 relevant appraisal shall be provided to Clear Capital by Customer. The CDA will
 offer an alternative value, if deemed appropriate, based on the analysis of the competitive
 market as of the effective date of the appraisal provided. The CDA will also
 provide an analysis of the appraisal provided, including supporting narrative
 and data to fully support the CDA value and outline deficiencies within the
 appraisal. The CDA will also contain a Risk Score and Risk Indicators based
 upon the findings of the analysis for the appraisal provided to Clear
 Capital by Customer.

&nbsp;&nbsp;&nbsp;&nbsp;o ProTeck's
 Appraisal Risk Review (ARR) is an enhanced desk review of the original appraisal in the file
 completed by a licensed appraiser. The ARR validates subject and comparable data and
 characteristics, confirms the original appraiser's methodologies, credentials, and
 commentary to ensure compliance with regulatory requirements and industry accepted best practices,
 and flags all risk factors while also providing a final value reconciliation used to grade
 the loan.

**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.

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**<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)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TILA/RESPA
 Integrated Disclosure Rule: "The Initial TRID Scope"

&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").

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&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.

&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.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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 tests 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 tests 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)

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&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).

**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 mortgagee 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) |  |

---

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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.

**<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.© 2025 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

Verus 2025-10 Due Diligence Narrative Report Page \| 22 October 21, 2025

## Exhibit 99.29

**EXHIBIT 99.29**

**CLAYTON CONDITIONS REPORT**

---

| | |
|:---|:---|
| **Client Name:** | **Verus** |
| **Client Project Name:** | **Verus 2025-10** |
| **Start - End Dates:** | **6/2022 - 8/2025** |
| **Deal Loan Count:** | **142** |
| **Conditions Report** | **Conditions Report** |
| ***Loans in Report:*** | *142* |
| ***Loans with Conditions:*** | *45* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Morningstar/DBRS Initial Securitization Compliance Loan Grade** | **Morningstar/DBRS Final Securitization Compliance Loan Grade** | **Initial Fitch Compliance Loan Grade** | **Final Fitch Compliance Loan Grade** | **Initial Moodys Compliance Loan Grade** | **Final Moodys Compliance Loan Grade** | **Initial KBRA Compliance Loan Grade** | **Final KBRA 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** |
| 772278 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A D | A | A D | A | A D | A | A | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Missing Credit report. Credit supplement in file for Mortgage updates only. | 7.12.2022-Client Response- Provided full credit report7.12.2022-Clayton Response- Provided credit report dated 5/16; exception now satisfied | 7.12.2022-Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers lived at prior residence for 2 years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0X30, 60, 90 past 24 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 767 exceeds guideline |
| 772278 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A D | A | A D | A | A D | A | A | Credit | Credit/Mtg History | Satisfied D A | CRDCRMH189 | Missing credit report | No | Missing credit report for borrower. Credit supplement in file for Mortgage updates only. | 7.12.2022-Client Response- Provided full credit report7.12.2022-Clayton Response- Provided credit report dated 5/16; exception now satisfied | 7.12.2022-Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers lived at prior residence for 2 years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0X30, 60, 90 past 24 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 767 exceeds guideline |
| 772335 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B C A | C | B C A | C | B C A | C | B | Compliance | xxxxxx Home Equity | Satisfied C B | CMPTXHE119 | xxxxxx Equity - Affidavit of Fair Market Value not signed by lender | No | xxxxxx FMV (fair market value) not executed by lender. | 7.12.2022-Client Response- Provided lender executed xxxxxx FMV disclosure7.12.2022-Clayton Response- Provided documentation satisfies exception. Disclosure signed by borrowers at closing, lender post close, non-material | 7.12.2022- Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 6 years<br>CFCFS2860: Good credit history<br> - Clayton Comments: no derogatory history<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: no derogatory history |
| 772335 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B C A | C | B C A | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance of $100.00 due to Attorney fee increased with no reason in file. Provide COC reflecting valid reason for the fee changes or PCCD with cure, copy of cure check, LOE to Borrower and Evidence of delivery via method including tracking information within 60 days of discovery. | 7.12.2022-Client Response- Provided PCCD with tolerance cure of $100, delivery receipt to applicant7.12.2022-Clayton Response- Provided documentation satisfies exception. Tolerance cure was mailed to application along with LOE and PCCD | 7.12.2022-Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 6 years<br>CFCFS2860: Good credit history<br> - Clayton Comments: no derogatory history<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: no derogatory history |
| 772340 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | HOI policy effective date is 3 days after loan funding. HUD 1 closing date xxxxxx. Insurance effective xxxxxx. Please provide updated declaration page showing no lapse in coverage dates. | 7.12.2022- Client responded- Final Settlement Statement with funding date xxxxxx uploaded for other condition. HOI was in effect xxxxxx two days before funding. Please waive.7.12.2022- Upon further review by SR Clayton UW, documents received reflect funding date of xxxxxx this is acceptable and updated in system to reflect. Exception can be satisfied. | 7.12.2022- Exception has been satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico 809<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Excellent history, no late payments in 24 months or longer<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Current ownership is free and clear; use of credit is minimal |
| 772340 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Missing Final HUD 1. | 7.11.2022-Client Reponses- Provided final HUD-17.11.2022-Clayton Response- Provided HUD1 satisfies exception | 7.11.2022-Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico 809<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Excellent history, no late payments in 24 months or longer<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Current ownership is free and clear; use of credit is minimal |
| 772344 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico 711<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 18 months PITIA<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: No lates in the last 2 years or longer |
| 772347 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 fico exceeds the 680 required<br>CFCFS2860: Good credit history<br> - Clayton Comments: no derogatory history<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: no derogatory history |
| 772348 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 12.14 months piti reserves in file<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 61.42% ltv<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 705 |
| 772350 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $495,872.34 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 739 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 32 years |
| 772351 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico of 683<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 33% credit utilization in file<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage history past 24 months |
| 773678 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $433,103.21 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 11 yrs<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 761 exceed guidelines |
| 773689 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Terms/Guidelines | Satisfied D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing Committee Approval. Total of 6 loans including subject with xxxxxx | 7.18.2022-Client Response- Provided committee approval (13 loans with HEM)7.18.2022-Clayton Response- Provided committee letter per guidelines approving more than 4 financed loans within xxxxxx lending parameters. Signed by COO dated xxxxxx. This satisfies exception and meeting documentation requirements of guideline. | 7.18.2022-Exception Satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit history of 89 months exceeds the guidelines of at least 24 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 770 exceeds minimum required credit score of 660 based on 80% LTV.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below maximum allowable LTV of 85% with a credit score of 680.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of $41,354.24 exceeds guidelines of 0 months reserves for a purchase with credit score of 680.<br>CFCFS3824: Borrower contributed an additional down payment<br> - Clayton Comments: Borrower contributed an additional down payment of 5% as the maximum LTV is 85% and subject LTV is 80%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history on primary is verified from January 2021 to April 2022. |
| 773692 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C B | N/A | N/A | Property Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | Appraised value in file is xxxxxx. Desk Review reflects xxxxxx. The difference is 17.9% which is greater than the 10% allowable difference. | 8.29.2022-Client Response- Provided field review dated xxxxxx supporting value of original appraisal | 8.29.2022-Clayton Response- Provided field review satisfies excpetion | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 729<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 17% credit utilization in file<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 133.29 months piti reserves in file |
| 773698 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence for 13 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 61.85% is below 70%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 727 is greater than 680<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $142,307.09 or 109.46 months PITI |
| 774320 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A D | D | A D | D | A D | D | A | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Missing Final CD hand signed with closing date of xxxxxx. | 8.15.2022- Client Response- Provided executed (wet signed) CD8.15.2022- Clayton Response- Provided documentation satisfies exception | 8.15.2022- Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 13 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for over 25 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV < 50% |
| 774322 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: 0c30, 60, 90 past 24 months.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60 90 past 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $37,175.27 or 17.43 months PITIA |
| 774324 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 752, theLender: 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 74.31, theLender Max: 85% (fico exceeds 680)<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 05/02/2022, Borrower does not have any major mortgage related occurrences during the past two years. |
| 775347 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $52,424.19 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 16 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 724 exceed guidelines |
| 775442 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 703<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage history past 24 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 45.45% LTV |
| 775569 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A D | A | A D | A | A D | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | xxxxxx Commissions reflected on Seller CD but not in section H of Borrower Final CD. | 8.11.2022-This exception is informational per Clayton Compliance department and TRID 2.0 revisions. | 8.11.2022-Exception Satisfied | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| 775569 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A D | A | A D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing March 2022 xxxxxx #1008 bank statement to support income and deposit | 8.16.2022- Client Response- Provided missing statement from March 20228.16.2022- Clayton Response- Provided documentation satisfies exception | 8.16.2022- Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| 776244 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserve $19,837.85 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 779 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 4 years |
| 776418 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $318,957.42 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 3 years and 6months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 740 exceed guidelines |
| 776479 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 75% is below guideline requirements<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 740 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 2 years |
| 776946 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $169,069.97 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 767 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 2 years |
| 777010 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A B | A | A B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing 24 month mortgage and or rental income per product guidelines. | (No Data) | 8.18.2022-Sr. Clayton Underwriter reviewed the Approval Loan Exception for 24 months of housing history; exception remains, however it is deemed non-material and not considered a fatal issue. Compensating factors on the file is high fico of 734, more than 10 years on current job, 0 x 30 on mortgage payments and $103,000 in assets. 8.25.2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 10 years in profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of $331,964.99 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines |
| 777045 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | xxxxxx Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied and informational. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 5 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 730 exceeds 700 credit<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $50,557.39 or 13.07 months PITI |
| 777045 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied and informational. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 5 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 730 exceeds 700 credit<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $50,557.39 or 13.07 months PITI |
| 777235 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 715, theLender Minimum: 700<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 08/22/2022, borrower does not have any major mortgage related occurrences during the past two years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per credit report dated 08/22/2022, borrower has 0x30 derogatory account history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Verified cash-out proceeds of $117,829.94 exceeds 6 month reserves requirement; $3727.03 \*6 = $22,362.18 |
| 777745 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B C A | C | B C A | C | B C A | C | B | Compliance | Right of Rescission | Satisfied B | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | ROR Expiration Date is disclosed as midnight of xxxxxx. Earliest Disbursement Date is xxxxxx. PCCD dated xxxxxx Disbursement Date is xxxxxx. | Legal docs notarized xxxxxx. 3 day RoR period expires midnight xxxxxx. Final CD xxxxxx shows disbursement xxxxxx which provides required RoR period; exception satisfied. | 10.10.2022 Legal docs notarized xxxxxx. 3 day RoR period expires midnight xxxxxx. Final CD xxxxxx shows disbursement xxxxxx which provides required RoR period; exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 24 years 7 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 15 years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months |
| 777745 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B C A | C | B C A | C | B C A | C | B | Compliance | Right of Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR Expiration Date is disclosed as midnight of xxxxxx. Earliest Disbursement Date is xxxxxx. PCCD dated xxxxxx Disbursement Date is xxxxxx. | 10.10.22-Legal docs notarized xxxxxx. 3 day RoR period expires midnight xxxxxx. Final CD xxxxxx shows disbursement xxxxxx | ROR Expiration Date is disclosed as midnight of xxxxxx. Earliest Disbursement Date is xxxxxx. PCCD dated xxxxxx Disbursement Date is xxxxxx.Provided COC signed xxxxxx, expired on xxxxxx. Provided CD closed xxxxxx with disbursement of xxxxxx.10.10.2022 Legal docs notarized xxxxxx. 3 day RoR period expires midnight xxxxxx. Final CD xxxxxx shows disbursement xxxxxx which provides required RoR period; exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 24 years 7 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 15 years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months |
| 777745 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B C A | C | B C A | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Provide COC or provide refund of increased 0% tolerance fee of $1747.50 within 60 days of consummation and proof of delivery via shipping method that includes tracking information.Discount Points fee Increase of $1747.50 Total Above Tolerance. | 10.10.22- Client Response- provided COC | 10.10.22-Clayton Response- CoC xxxxxx indicates Discount points in the amount of $1747.50 and is acknowledged by Borrower on final hand signed CD xxxxxx; exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 24 years 7 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 15 years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months |
| 777753 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 7 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $5169.76; no reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 767 and minimum required is 700 |
| 777880 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 22 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 778 exceeds guideline 700<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $54,992.54 or 23.92 months PITI |
| 778307 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 10 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $51,406.36; no reserves required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 743 and minimum required is 600 |
| 778432 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in his profession 10 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 65% is below guideline requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $236,703.77 exceed guidelines |
| 778646 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A B | A | A B | A | A B | A | A | Property Valuations | FEMA | Waived B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | No inspection since the xxxxxx declaration date, xxxxxx effective date, FEMA disaster xxxxxx. | (No Data) | 10.11.2022 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 686 exceeds minimum required 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets of $193,379.30. Cash required $167,300.77 ($20,000 EMDs cleared). Cash reserves = $26,078.53. Required reserves: 0 months required for purchase. Excess reserves $26,078.53.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit history with 6 open tradelines with the longest seasoned 248 months exceeds the requirement of two open and active tradelines with at least one seasoned for 24 months. |
| 778906 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $284,535.84 exceed gudielines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV 70% is below guideline requirements<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 763 exceed guidelines |
| 779029 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 678 exceeds guideline minimum 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $214,804.48 or 39.67 months PITI |
| 779139 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 731<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 11% credit utilization in file<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 109.94 months piti reserves |
| 779555 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied and is informational. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $25,190.06 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 8 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for 14 years |
| 779555 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied and is informational. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower verified cash reserves $25,190.06 exceed guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 8 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for 14 years |
| 780290 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B D A | C | B D A | C | B D A | C | B | Compliance | Right of Rescission | Satisfied B | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | Condition triggered due to a copy of final CD xxxxxx in file is signed by borrower on xxxxxx with Disbursement date as xxxxxx. As Mortgage was notarized on xxxxxx and ROR in file is signed on xxxxxx, condition is pending receiving final CD signed by borrower at closing on xxxxxx for further testing. | 9.19.22 -- Lender provided additional documents. Need new recession period and PCCD. Condition remains.9/21/22 - Lender provided an additional PCCD reflecting proper disbursement dated. | 9/21/22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $279,313.90 or 67.85 months of PIRequired PI Reserves are $4116.42 x 12 = $49,397.04<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Credit Score 792. Minimum required score 720 for 85% LTV.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 49.67%. Maximum allowed LTV is 85%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.40%. Maximum allowed DTI is 49% |
| 780290 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B D A | C | B D A | C | B D A | C | B | Compliance | Right of Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Condition triggered due to a copy of final CD xxxxxx in file is signed by borrower on xxxxxx with Disbursement date as xxxxxx. As Mortgage was notarized on xxxxxx and ROR in file is signed on xxxxxx, condition is pending receiving final CD signed by borrower at closing on xxxxxx for further testing. | 9.19.22 -- Lender provided additional documents. Need new recession period and PCCD. Condition remains.9/21/22 - Lender provided an additional PCCD reflecting proper disbursement dated. | 9/21/22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $279,313.90 or 67.85 months of PIRequired PI Reserves are $4116.42 x 12 = $49,397.04<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Credit Score 792. Minimum required score 720 for 85% LTV.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 49.67%. Maximum allowed LTV is 85%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.40%. Maximum allowed DTI is 49% |
| 780290 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B D A | C | B D A | C | B D A | C | B | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing Updated Property Evaluation. | 9/21/22 - Lender provided CDA in the original loan package. | 9/21/22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $279,313.90 or 67.85 months of PIRequired PI Reserves are $4116.42 x 12 = $49,397.04<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Credit Score 792. Minimum required score 720 for 85% LTV.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 49.67%. Maximum allowed LTV is 85%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.40%. Maximum allowed DTI is 49% |
| 781064 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence for 5 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 784 exceeds guideline 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $73,348.48 or 34.19 months PITI |
| 781069 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | xxxxxx Commissions reflected on Seller CD but not in section H of Borrower Final CD. | This exception is informational per Clayton Compliance department and TRID 2.0 revisions. | Exception Satisfied. | Numeric | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 774 exceeds guideline 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $25,137.82 or 8.19 months PITI |
| 781069 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. | This exception is informational per Clayton Compliance department and TRID 2.0 revisions. | Exception Satisfied. | Numeric | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 774 exceeds guideline 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $25,137.82 or 8.19 months PITI |
| 781366 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | Seller fees listed on Seller CD but not Borrower final CD. | This exception is informational per Clayton Compliance department and TRID 2.0 revisions. | Exceptions Satisfied. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $25,465.73 or 9.29 months reserves<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 755 exceeds guideline 755 |
| 781414 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 767 exceeds guideline 700<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $208,711.94 or 19.46 months PITI |
| 781430 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 740 and minimum required is 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has no late pays on mortgages with over 5 years reporting.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $119,441.91, required reserves $3571.45 x 6 = $21,428.70. |
| 781621 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 21.43% and maximum allowed is 75%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $132,143.03; required reserves $2210.49 x 6 = $13,262.94.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 733 and minimum required is 620 |
| 781646 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 18 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 711 exceeds guideline 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $15,571.24 or 9.82 months PITI<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months |
| 781749 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 13 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 777 exceeds guideline 660+ for Near xxxxxx<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months |
| 782989 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A D | A | A D | A | A D | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | xxxxxx Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied and is informational. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 759 qualifying credit score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 82 months of 0x30 consumer credit history.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.45% DTI calculated. 50% max allowed. |
| 782989 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A D | A | A D | A | A D | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied and is informational. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 759 qualifying credit score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 82 months of 0x30 consumer credit history.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.45% DTI calculated. 50% max allowed. |
| 782989 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A D | A | A D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing the required 12 month lender bank statement summary showing 12 months of bank deposits used including the omitting deposits not used. | 1.13.2023- Client Response- Provided 12 month bank statement analysis from lender1.16.2023-Clayton Response- Provided documentation satisfies exception | 1.16.2023- Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 759 qualifying credit score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 82 months of 0x30 consumer credit history.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.45% DTI calculated. 50% max allowed. |
| 782989 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A D | A | A D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing the CDA to support original appraisal value in file. No CU score in file. | 1.13.2023- Client Response- provided CDA1.16.2023-Clayton Response- provided documentation satisfies exception | 1.16.2023-Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 759 qualifying credit score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 82 months of 0x30 consumer credit history.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.45% DTI calculated. 50% max allowed. |
| 782999 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has 30 months of reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers credit score is 701;guidelines require 620.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 3 years. |
| 783331 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A D | A | A D | A | A D | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | xxxxxx Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied and is informational. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $83,030.62; required reserves $5407.18 x 6 = $32,443.08.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 752 and minimum required is 720.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 36.45% and maximum allowed is 43% |
| 783331 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A D | A | A D | A | A D | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied and is informational. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $83,030.62; required reserves $5407.18 x 6 = $32,443.08.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 752 and minimum required is 720.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 36.45% and maximum allowed is 43% |
| 783331 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A D | A | A D | A | A D | A | A | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing verified information that VISA category is eligible per guidelines; VISA category is xxxxxx and guidelines do not allow this category in section 2.3. | 2.1.2023- client Response-ID provided is an EAD Card, not a VISA. The EAD card states that it serves as xxxxxx which per the immigration website does not require a VISA. 2.2.2023-Clayton Response- Exception satisified- foreign national | 2.2.2023- Exception Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $83,030.62; required reserves $5407.18 x 6 = $32,443.08.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 752 and minimum required is 720.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 36.45% and maximum allowed is 43% |
| 783604 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 13 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $15,140.65; required reserves $2252.50 x 6 = $13,515.00.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 678 and minimum required is 660 |
| 783730 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A D | A | A D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing 12 months of business bank statements for the Cash Flow Program. For self-employed borrowers, acceptable documentation supporting existence of the business for the past twelve 12 months. All bank statements from the inception of the business and must demonstrate a consistent cash flow for 12 consecutive months. File contained only a xxxxxx statement 11/2022. Missing required 12/21-10/22 xxxxxx xxxxxx statements. File contained a 12 month bank statement summary only. | 1.4.2023-Clients response: January 4th 2023, 12:43:48 pmPlease see the attached 12 months Bank Statements For self-employed borrower. Please clear the condition.1.4.2023-Clayton's response: Statements received, exception is satisfied. | 1.4.2023-Exception is satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5.6 years living at departure residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 751 mid-score per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 84 months of 0x30 rental payment history per VOR in file at departure residence. |
| 783786 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 55% and maximum allowed is 75%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $104,472.29, required reserves none.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 734 and minimum required is 640 |
| 783788 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A | Credit | Insurance | Satisfied D A | CRDINSR865 | Missing proof of flood insurance in File | No | Please add the flood insurance to the file. Per Appraisal property is located in xxxxxx | 12.20.2022 Client responded - See attached FLOOD INSURANCE which was in the file. Please clear exception12.20.2022 Client sent proof of Flood insurance. Exception satisfied. | 12.20.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: All open tradelines are current.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 6 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 60% is below guideline requirement of 70% for this program. |
| 783788 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A | Credit | Terms/Guidelines | Waived C B | CRDTER3262 | Property issues indicated | No | Property listed for sale within past 6 months is not allowed for cash out per guidelines. | 12.20.2022 Client responded - See attached Approved Loan Exception which was in the file. Please clear this exception12.20.2022 Clayton Sr. UW additional review. Exception approval for allowing cash-out refinance for property listed for sale within past 6 months. Lender used the xxxxxx list price with compensating factors Over 99 months reserves, DTI of 37%, FICO 734, 15 years self employed, 6 years a primary residence and Cash out to borrower. Exception remains, however the securitization grade is changed from material to non-material. Lender exception received. | 12.20.2022 Exception remains 01.19.2023 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: All open tradelines are current.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 6 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 60% is below guideline requirement of 70% for this program. |
| 783846 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A D | A | A D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL2420 | Missing HUD-1 (Final and Estimated) | No | Provide Final HUD1 that is excavated by all parties. | 1.6.2023- Client responded-See attached Final HUD-1. Please clear exception1.6.2023- Clayton responded- Reviewed the Final Hud, all signatures present. Data points updated in system in which satisfied exception. | Provide HUD1.1.6.2023- Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 9 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers credit score is 775.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence for 5 years. |
| 784001 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying score 719 is greater than guideline minimum of 680 for Foreign National.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $26,384.10 or 12.18 months PITIVerified assets $116,279.41 - closing funds $89,895.31 = $26,384.10 in reservesReserves required 12 months x $2,165.55 = $25,986.60<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 per Credit Reference letters |
| 784364 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A B | A | A B | A | A B | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | xxxxxx Commissions reflected on Seller CD but not in section H of Borrower Final CD. | This exception is informational per Clayton Compliance department and TRID 2.0 revisions. | Exception satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 778<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 4% credit utilization in file<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage payment history past 24 months |
| 784364 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A B | A | A B | A | A B | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. | This exception is informational per Clayton Compliance department and TRID 2.0 revisions. | Exception satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 778<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 4% credit utilization in file<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage payment history past 24 months |
| 784364 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A B | A | A B | A | A B | A | A | Property Valuations | FEMA | Waived B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Post Fema disaster xxxxxx, and xxxxxx eff date xxxxxx Declaration xxxxxx; Closing date is xxxxxx | (No Data) | 02.28.2023 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 778<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 4% credit utilization in file<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage payment history past 24 months |
| 784367 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B C A | C | B C A | C | B C A | C | B | Compliance | Federal Consumer Protection | Satisfied C A | CMPFDCP3208 | NMLS License verification found Loan Originator was inactive at time of origination | No | Guidelines require the loan originator have an active NLMS license. NMLC lookup found that xxxxxx was renewed through xxxxxx for xxxxxx. Provide satisfactory evidence that xxxxxx is renewed through xxxxxx for xxxxxx. | 3.9.2023- Client response- provided NMLS renewal request with no break in the request dates3.9.2023- Clayton response- provided documentation satisfies exception | 3.9.2023- Exception Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves = $227,366.24. Required reserves: 12 months required x $3,689.38 = $44,272.56. Excess reserves $183,093.68.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job since xxxxxx.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65% is below the maximum allowable of 70%. |
| 784367 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B C A | C | B C A | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | xxxxxx Commissions reflected on Seller CD but not in section H of Borrower Final CD. | This exception is informational per Clayton Compliance department and TRID 2.0 revisions. | Exception Satisfied. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves = $227,366.24. Required reserves: 12 months required x $3,689.38 = $44,272.56. Excess reserves $183,093.68.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job since xxxxxx.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65% is below the maximum allowable of 70%. |
| 784367 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B C A | C | B C A | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance of $52.89 due to xxxxxx Allotment Payment (section B) fee added with no reason in file. Provide COC reflecting valid reason for the fee changes or PCCD with cure, copy of cure check, LOE to Borrower and Evidence of delivery via method including tracking information within 60 days of discovery. | 3.8.23-Client provided PCCD issued xxxxxx, COC and proof of delivery. Exception Satisfied. | 3.8.23-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves = $227,366.24. Required reserves: 12 months required x $3,689.38 = $44,272.56. Excess reserves $183,093.68.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job since xxxxxx.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65% is below the maximum allowable of 70%. |
| 784474 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence for 4 years, 8 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 674 exceeds guideline minimum 660<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets #80,160.90 or 22.69 months PITI |
| 784585 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 24.72 months piti reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage payment history past 24 months<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: borrower is 0\*30 consumer credit history past 24 months |
| 784640 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 12 years, 8 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 69.76% is below guideline minimum 90% for NQHEM + guideline.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 756 exceeds guideline 660 for NonQHEM<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0X30, 60, 90 past 24 months<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Low Credit usage 19.05% is under 25% |
| 784683 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 40%<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 17% consumer credit utilization in file<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 77.32 months piti reserves |
| 785009 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $58,132.49; required reserves $1344.12 x 6 = $8064.72.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 685 and minimum required is 660 |
| 785089 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 740 mid-score per CBR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9 years living at primary residence. |
| 785090 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | xxxxxx Commissions reflected on Seller CD but not in section H of Borrower Final CD. | This exception is informational per Clayton Compliance department and TRID 2.0 revisions. | Exception Satisfied. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have lived at current residence for 12 years, 2 months<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 28 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 733 exceeds guideline 700 for NQHEM Premier product<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0X30, 60, 90 past 24 months |
| 785157 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A D B | D | A D B | D | A D B | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing credit report xxxxxx. | 3.20.2023- Client provided credit report and ATR ability3.20.2023- Clayton- provided documentation satisfies exception | Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 719 exceeds minimum required 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 85% is below the maximum allowable of 90%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit history with 11 open tradelines with the longest seasoned 119 months exceeds the requirement of three tradelines with at least one active in last 6 months and one seasoned for 24 months. |
| 785157 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A D B | D | A D B | D | A D B | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | xxxxxx Commissions reflected on Seller CD but not in section H of Borrower Final CD. | This exception is informational per Clayton Compliance department and TRID 2.0 revisions. | Exception satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 719 exceeds minimum required 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 85% is below the maximum allowable of 90%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit history with 11 open tradelines with the longest seasoned 119 months exceeds the requirement of three tradelines with at least one active in last 6 months and one seasoned for 24 months. |
| 785157 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A D B | D | A D B | D | A D B | D | A | Credit | Assets | Satisfied C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Guidelines require 6 months cash reserves for LTVs greater than 75%. Lender approved loan at 85% LTV with cash reserves of $17,360.25. Short $21,221.91 in reserves. | 3.17.2023- Uploaded updated bank statements3.17.2023- Exception Satisfied | 3.17.2023- Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 719 exceeds minimum required 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 85% is below the maximum allowable of 90%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit history with 11 open tradelines with the longest seasoned 119 months exceeds the requirement of three tradelines with at least one active in last 6 months and one seasoned for 24 months. |
| 785157 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A D B | D | A D B | D | A D B | D | A | Credit | Credit/Mtg History | Satisfied D A | CRDCRMH183 | Credit report incomplete | No | Guidelines require the most recent credit report. Lender provided file that indicates missing credit report xxxxxx.Provide missing credit report. \*Debts/credit score/late payments to be updated if credit report is dated after 1-30-23. | 3.17.25 Uploaded credit report xxxxxx | 3.17.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 719 exceeds minimum required 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 85% is below the maximum allowable of 90%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit history with 11 open tradelines with the longest seasoned 119 months exceeds the requirement of three tradelines with at least one active in last 6 months and one seasoned for 24 months. |
| 785157 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A D B | D | A D B | D | A D B | D | A | Property Valuations | FEMA | Waived B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | No inspection since the xxxxxx declaration date, xxxxxx effective date, FEMA disaster xxxxxx, and xxxxxx Declaration xxxxxx. | (No Data) | 03.21.2023 - Clayton final grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 719 exceeds minimum required 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 85% is below the maximum allowable of 90%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit history with 11 open tradelines with the longest seasoned 119 months exceeds the requirement of three tradelines with at least one active in last 6 months and one seasoned for 24 months. |
| 785249 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 791 mid-score per CBR<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 99 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 80 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 21.7 months of reserves in file. |
| 785325 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 4.9 years in the xxxxxx industry.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 796 mid-score per CBR<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 84 months of 0x30 consumer history per CBR. |
| 785337 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 730<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 consumer credit history past 24 months<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage history past 24 months |
| 785475 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying score 749 exceeds guideline minimum 620 for xxxxxx product<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $30,221.44 or 12.64 months PITIAVerified assets $117,295.81 - closing funds $87,074.37 = $30,221.44 in reserves |
| 785536 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: 0X30, 60, 90 past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $212,101.23 or 15.83 months PITIVerified assets $443,393.92 - closing funds $231,292.69 = $212,101.23 in reserves.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30, 60, 90 past 12 months |
| 785660 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A B | A | A B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Guidelines require a 12 month primary housing history. Lender provided a borrower explanation stating the construction of primary residence at xxxxxx was self-funded. Provide satisfactory evidence that primary residence at xxxxxx is owned free and clear. | (No Data) | 04/04/23 - Clayton final grade B. Exception waived. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 64.90% is below the maximum allowable of 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 718 exceeds minimum required 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $641,031.50. Required reserves: 6 months required x $7,456.36 = $44,738.16. Excess reserves = $596,293.34. |
| 785663 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $129,121.50 or 94.10 months PITI<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30, 60, 90 past 24 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying score 676 is greater than Near xxxxxx minimum of 660 per guideline. |
| 785671 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage lates past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 45.41 months pitii reserves<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current place of residence for 20 years |
| 785740 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B C A | C | B C A | C | B C A | C | B | Compliance | Right of Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Final CD xxxxxx reflects a Disbursement Date xxxxxx prior to the end of the Rescission period. Lender to provide proof of a later Disbursement via Final xxxxxx/Settlement Statement and corrected Post/Funding CD. Or, if the loan disbursed prior to the ROR expiration date, please reopen rescission to all titleholders with dates allowing for method of delivery. | 4.10.2023 Client provided PCCD issued xxxxxx reflecting disbursement date of xxxxxx. Exception Satisfied. | Exception Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 5.4 years employed at xxxxxx<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 739 mid qualifying credit score per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 15.06 months of reserves in file |
| 785970 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 769<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 consumer credit history past 24 months<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 11% credit utilization in file |
| 786338 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A B | A | A B | A | A B | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied and is informational. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 10.1 years employed with xxxxxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 758 mid-score per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Prior rental history 0x30 for 33 months per VOR in file.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 33.06 months of reserves in file. |
| 786338 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A B | A | A B | A | A B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Loan exceeds LTV tolerance by 5%. Loan was approved at 75% LTV with loan amount of xxxxxx. Maximum LTV allowed for loan amounts over xxxxxx is 70% up to xxxxxx. Lender Exception request in file for 5% variance. | 04.18.2023 - Acknowledged by client. | 04.18.2023 - Non material exception remains. Exception waived. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 10.1 years employed with xxxxxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 758 mid-score per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Prior rental history 0x30 for 33 months per VOR in file.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 33.06 months of reserves in file. |
| 786460 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 795 exceeds minimum required 680 for first time investor.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 60% is below the maximum allowable of 65%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $23,783.04. Required reserves: 0 months required. Excess reserves = $23,783.04. |
| 786517 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 729 qualifying credit score per CBR.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV; max allowed per guidelines is 85% LTV.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 63 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 27.81 months of reserves in file. |
| 786967 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 0% consumer credit utilization in file<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 consumer credit history in past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 94.54 months piti reserves |
| 787209 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A B | A | A B | A | A B | A | A | Credit | Terms/Guidelines | Waived B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Appraisal submitted on Form 71B / Non GP Appraisal.Approved credit exception for use of 71B provided in file. | 05.23.2023 - Acknowledged by client. | upon further review by Sr. UW; Clayton deems exception non material due to 726 FICO, long term ownership, 121 months reserves. Exception remains. 05.23.2023 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 726 Qualifying fico. G/L min 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 121.89 months piti reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage payment history past 24 months<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 consumer credit history in past 24 months |
| 790405 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have lived at current residence for 9 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves are $87,383.34, 17.82 months; 12 months required. |
| 790657 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A C | C | A C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3706 | TRID - Curable Issue #1 related to the Closing Disclosure in file | No | Missing page 5 of 5 of Final CD xxxxxx to confirm Loan Calculations. | 6.23.2023 - All pages to Final CD xxxxxx provided. | 6.23.2023 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI (Back) of 6.69% is 36.31% below the 43% allowed for the program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 719 is 19 points above the 700 FICO required for the program.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 10 years 4 months at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 24 months PITIA is 18 months greater than the 6 months reserves required. |
| 790699 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 21 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $205,411.73, 71.35 months; no reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower has no late payments or derogatory credit ratings in over 20 years experience with credit. |
| 790707 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 708 mid-score per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 7.16 months of reserves in file<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 16 months of 0x30 mortgage history per CBR. |
| 790812 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the seller CD. Consistent with the xxxxxx TRID Grid, we are satisfying to 1/A as thisbis informational. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required reserves: (6 months required x $11,927.19 =) $71,563.14 + (Primary 2 X $3008.75 =) $6,017.50 = $77,580.64.Excess reserves = $53,591.91.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 759 exceeds minimum required 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 34.79% is below the maximum allowable 43%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 9 years on job.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower has 9 years on job.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 66 months exceeds the required 12. |
| 790887 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 13 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $25,888.14, 19.69 months; 6 months required.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late pays on housing payments, with over 6 years reporting. |
| 790891 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 727 exceeds minimum required 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $7,625.16.Required reserves: 0 months required. Excess reserves = $7,625.16.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 28 months exceeds the required 12. |
| 790978 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 706 is 86 points above the 620 FICO required for the program.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 64.48% is 10.52% below the 75% LTV allowed for the program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower is 0x30 for all accounts over the past 5 years. |
| 791124 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | Credit | Assets | Satisfied B A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing verification that $420,000 down payment cleared the bank and that gift funds of $409,000 were sent direct to closing. | 7.11.2023- Client provided all wire transfer documentation to attorney for gift and down payment funds7.11.2023- Clayton response- provided documentation satisfies exception | 7.11.2023- Exception Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $128,504.62, 10.22 months; 6 months required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 704 and minimum is 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 15.90%, maximum is 50% |
| 791128 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $60,263.88, 36.33 months; 12 months required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 12 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 65% and maximum is 70% |
| 791133 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 years living at primary residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 13.5 years employed with xxxxxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 754 mid-score per CBR.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV per review; 80% LTV is maximum allowed per guidelines.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 319 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 80 months of 0x30 mortgage history per CBR. |
| 791195 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 688 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 168 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 178 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 106.93 months of reserves in file. |
| 791815 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 762. G/l min is 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage payment history past 24 months<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0\*30 consumer credit payment history past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 33.04 months piti reserves |
| 791818 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage payment history past 24 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 7 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 65%. G/l max is 75%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 6% consumer credit utilization in file.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 15.02 months piti reserves. |
| 792128 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 years living at current primary residence.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 85 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 84 months of 0x30 rental history per VOR.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 775 mid-score per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 6.65 months of reserves in file. |
| 792387 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 64.10. G/l max is 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 785<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 0% consumer credit utilization in file<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 13.41 months piti reserves |
| 792397 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 10 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 172 months piti reserves in file. |
| 792540 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | Credit | Assets | Waived B | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Foreign assets allowed to remain in foreign accounts on case-by-case basis only. Approved exception in file for this variance. | 08.08.2023 - Acknowledged by client. | 08.08.2023 - Non material exception remains. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below the maximum allowable of 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $116,640.74, 30.77 months. Required reserves: 12 months required x $3,790.40 = $45,484.80. Excess reserves = $71,155.94.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit reference letter reflecting open date of xxxxxx and xxxxxx exceeds the required 12 months. |
| 792896 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 725 mid-score per CBR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5.8 years living rent-free at primary residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 26.64 months of reserves in file.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 151 months of 0x30 consumer credit history per CBR. |
| 792985 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 776 mid-score per CBR<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 years living at primary residence.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 101 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 85 months of 0x30 mortgage history in file. |
| 793158 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4.6 years living at primary residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 8.1 years in the xxxxxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 709 mid-score per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 20.56 months of reserves in file. |
| 793491 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | The seller-paid broker commission was able to source the fee from seller CD/HUD-1.The exception satisfied and is informational. | (No Data) | Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is 10% below the 90% LTV allowed for the program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI (Back) of 44.72% is 5.28% below the 50% allowed for the program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 760 is 100 points above the 660 FICO required for the program. |
| 794074 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 consumer credit history past 24 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 65%. G/l max is 70%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 35.24 months piti reserves |
| 794876 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage payment history past 24 months<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 consumer credit history past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 74.47 months piti reserves |
| 794899 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | Credit | LTV/CLTV | Waived B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | 70% max LTV due to 5% LTV reduction for declining value on appraisal. Loan was approved at 75% LTV. Lender Exception for variance. | 09.12.2023 - Acknowledged by client. | 09.12.2023 - Non material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 771 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 102 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 30 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 9.07 months of reserves in file. |
| 794899 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | Credit | Terms/Guidelines | Waived B | CRDTER111 | Ownership seasoning does not meet minimum per guidelines | No | 6 month seasoning requirement was not met for this cash-out refinance transaction. Prior mortgage was opened xxxxxx, application date of subject loan xxxxxx, current Note is xxxxxx which is less than 6 months old. Loan Exception in file for variance. | 09.12.2023 - Acknowledged by client. | 09.12.2023 - Non material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 771 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 102 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 30 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 9.07 months of reserves in file. |
| 795335 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $2,659,626.78, 737.12 months; 6 months required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 741 and minimum is 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has excellent credit history with no late payments or derogatory ratings with 13 years credit history. |
| 795488 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 20 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 19.01 months piti reserves |
| 795550 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 66.12% LTV per review; 75% LTV is maximum allowed per guidelines.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 725 mid-score per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 15.58 months of reserves in file.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 140 months of 0x30 mortgage history per CBR. |
| 795556 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A B | A | A B | A | A B | A | A | Property Valuations | Property | Waived B | PRVAPROP241 | Property Type unacceptable under guidelines | No | Subject property is xxxxxx square feet in size which does not meet the 500 square feet minimum required per guidelines. Lender exception request in file. Developer is in control of xxxxxx project until xxxxxx per condo questionnaire. | 10.10.2023 - Acknowledged by client. | 10.10.2023 - Non material exception remains. Exception waived. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 65% LTV per review; 70% LTV is maximum allowed per guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 443.21 months of reserves in file.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years living at primary residence. |
| 795560 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 748 mid-score per CBR<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 17 years living at primary residence.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 376 months of 0x30 consumer credit history on CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 72.58 months of reserves in file. |
| 795641 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 5 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 91.06 months piti reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage payment history past 24 months |
| 795847 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR4775 | Missing Market Rent Analysis | No | Missing Fair Market Rent Analysis (form 1007) supporting monthly rent of $1,900. | 9.12.23 Client response; There is a rental agreement for xxxxxx in the loan package starting on page 93. Please remove the suspense9.15.23 Clayton memo; Lease provided was the lease currently in file. Per guides; If the actual rents are > market rents from the appraisal, actual rents can be utilized if all of the following requirements are met (applies to traditional lease agreements only): Borrower provided proof of receipt of higher rents for the latest two months prior to loan application (cancelled checks, bk stmts, etc.) Proof of receipt of higher rents missing from file. Exception remains. 9.18.2023-Clients response: September 15th 2023, 3:38:12 pmuploaded 10079.18.2023-Clayton's response: Received the 1007 for rental income of $1,900; exception is satisfied. | 9.15.23 Exception remains. 9.18.2023-Exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 645 exceeds minimum required 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $87,745.97, 54.25 months. 6 months required.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit history with 15 open tradelines with the longest seasoned 113 months exceeds the requirement of (2) open and active tradelines, with at least (1) seasoned for 24 months. |
| 796196 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV per review; 80% LTV is maximum allowed per guidelines.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 96 months of 0x30 consumer credit history.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 149 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 25.12 months of reserves in file. |
| 796499 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 13.58 months piti reserves<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 6 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 788 qualifying fico. G/l min is 700<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 consumer credit history in past 24 months |
| 796544 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 641 mid-score per CBR.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 60% LTV per review; 70% LTV is maximum allowed per guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 18.49 months of reserves in file. |
| 798695 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%. G/l max is 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $7,136.77 or 5.26 months piti reserves. 0 months required. |
| 799278 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A C | C | A C | C | A C | C | A | Compliance | Compliance Manual | Satisfied C A | CMPMAN2992 | 1003 - Initial Application is not Accurate | No | Missing Initial application dated at origination, all applications provided are blank or dated at closing. Initial application required for TRID timing purposes. | 10.2.23-Client provided initial application dated xxxxxx. Exception satisfied. | 10.2.23-Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 51.21% LTV is below program max allowable of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 774 credit score exceeds program min allowable of 660.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 22 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $555,745.44, 168.77 months; 6 months required. |
| 799282 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A | Credit | Insurance | Satisfied D A | CRDINSR865 | Missing proof of flood insurance in File | No | Missing evidence of Flood Insurance in file. | 10.13.23 Client response; Please see the attached Flood Ins. Please clear the condition.10.13.23 Clayton memo; exception satisfied | 10.13.23 Clayton memo; exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 55.69% is 19.31% below the 75% LTV allowed for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 24.89 months PITIA vs 0 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 666 is 46 points above the 620 FICO required for the program. |
| 799282 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A | Property Valuations | FEMA | Waived B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | No inspection since the FEMA Disaster xxxxxx - xxxxxx. Clayton grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant. These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities. Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property. | 10.26.2023 - Acknowledged by client. | 10.26.2023 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 55.69% is 19.31% below the 75% LTV allowed for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 24.89 months PITIA vs 0 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 666 is 46 points above the 620 FICO required for the program. |
| 799287 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption (APOR) D | A | A D | A | A D | A | A D | A | A D | A | A | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Borrower did not select any status regarding citizenship or residency on the application document. | 9.29.23; Please see the attached documents borrower is a non-resident alien. Please clear the condition.9.29.23 Clayton memo; exception satisfied | 9.29.23 Clayton memo; exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 7 years at current job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 4 years at current residence<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV is below program max allowable of 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 701 credit score exceeds program min allowable of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 19.70% DTI is below max allowable of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $35,308.20, 19.83 months; 6 months required. |
| 799288 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) D B | D | A D B | D | A D B | D | A D B | D | A D B | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Client declared QM Safe Harbor APOR status; Clayton status is QM rebuttable APOR due to:Benchmark date xxxxxx loan has test APR of 8.989%; the benchmark rate was 7.260%; Variance 1.729%; max allowed is 1.5000% | 10.11.23 Client response; We accept the determination on this and please clear the exception.10.11.23 Clayton memo; exception satisfied; However, a level 2 exception will remain on file as Lender changed their status determination based upon Claytons review. | 10.11.23 Clayton memo; exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 717 exceeds minimum required 660.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 4 open tradelines with 3 reported over 24 months which exceeds the required 2 over 24 months old.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $101,250.92, 10.40 months. 6 months required. |
| 799288 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) D B | D | A D B | D | A D B | D | A D B | D | A D B | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing Signed copy of Marital Settlement Agreement supporting child support obligation of xxxxxx per month. Also it appears loan is a QM rebuttable. | 10.6.2023-Clients response: October 5th 2023, 1:49:14 pmPlease see the attached copy of the child support agreement supporting xxxxxx per month child support obligation. Please clear the condition.10.6.2023-Clayton's response: The Executed Marital Settlement Agreement was not received; exception remains. 10.9.23 Client response; Please see the attached copy of the child support agreement supporting xxxxxx per month child support obligation. Please clear the condition.10.11.23 Clayton memo; exception satisfied; however a new QM rebuttable status exception will remain until Client agrees with Claytons status. | 10.11.23 Clayton memo; exception satisfied; | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 717 exceeds minimum required 660.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 4 open tradelines with 3 reported over 24 months which exceeds the required 2 over 24 months old.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $101,250.92, 10.40 months. 6 months required. |
| 799288 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) D B | D | A D B | D | A D B | D | A D B | D | A D B | D | A | Credit | Ability to Repay/Qualified Mortgage | Waived B | CRDATRQM5170 | TILA - ATR/QM: Lender changed their status determination based upon Clayton's review | No | Client agreed to Claytons QM rebuttable status based upon Claytons review. | 10.26.2023 - Acknowledged by client. | 10.26.2023 - Non-material exception remains. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 717 exceeds minimum required 660.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 4 open tradelines with 3 reported over 24 months which exceeds the required 2 over 24 months old.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $101,250.92, 10.40 months. 6 months required. |
| 799288 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) D B | D | A D B | D | A D B | D | A D B | D | A D B | D | A | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | ITIN guidelines require A xxxxxx Government (Federal or State) issued identification card must be provided and match the information contained in ITIN documents.Driver's license name is not an exact match to ITIN doc. | 10.6.2023-Clients response: October 5th 2023, 6:53:14 pmPlease see the attached per the xxxxxx if your first or middle name does not fit in the space allowed on the form , you may show the first and middle name initials , though YOU MUST provide your FULL LAST NAME in which this case the bwr provided on the ITIN and matches the driver license last name . Please clear the condition.10.6.2023-Clayton's response: The Borrower's first & last name, address and birth date driver's license matches the ITIN letter from the IRS; exception is satisfied. | 10.6.2023-Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 717 exceeds minimum required 660.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 4 open tradelines with 3 reported over 24 months which exceeds the required 2 over 24 months old.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $101,250.92, 10.40 months. 6 months required. |
| 799288 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) D B | D | A D B | D | A D B | D | A D B | D | A D B | D | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Guidelines require a complete copy of the document evidencing child support obligation. Provide a Signed copy of Marital Settlement Agreement supporting xxxxxx per month child support obligation. | 10.6.2023-Clients response: October 5th 2023, 1:49:14 pmPlease see the attached copy of the child support agreement supporting xxxxxx per month child support obligation. Please clear the condition.10.6.2023-Clayton's response: The Executed Marital Settlement Agreement was not received; exception remains. 10.9.2023 Client responded - Please see the attached copy of the child support agreement supporting xxxxxx per month child support obligation. Please clear the condition.10.9.2023 Client sent the full Marital Settlement Agreement with the Child Support in detail supporting the payment of xxxxxx per month. Exception satisfied | 10.6.2023-Exception remains.10.9.2023 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 717 exceeds minimum required 660.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 4 open tradelines with 3 reported over 24 months which exceeds the required 2 over 24 months old.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $101,250.92, 10.40 months. 6 months required. |
| 799335 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets / C/O amount =$183,667.25. Cash reserves =$183,667.25 or 76.75 months PITIA<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage related occurrences<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 25 years 9 months at current residence |
| 799343 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 7 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $173,304.79, 102.43 months; 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 700 and minimum is 620 |
| 799353 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A D | A | A D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Missing Final HUD | 10.6.2023-Client's response: October 6th 2023, 10:33:39 amPlease see the attached Final Settlement Statement. Please clear the condition.10.6.2023-Clayton's response: Received the Final Settlement Statement; exception is satisfied. | 10.6.2023-Exception is satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 67.53 below guideline max of 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets =$306,545.10Cash reserves =$306,545.10 or 104.17 months PITIA<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage related occurrences<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 769 exceeds guideline min of 620 |
| 799364 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A D | A | A D | A | A D | A | A | Credit | Insurance | Satisfied D A | CRDINSR848 | Missing Hazard Insurance | No | Master Condominium insurance does not verify property or hazard insurance coverage, only liability and D&O coverage. | 10.11.23 Please see the attached proof of hazard insurance coverage. Please clear the condition.10.12.23 Clayton memo; exception satisfied | 10.12.23 Clayton memo; exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $27,856.90, 16.09 months; 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 693 and minimum is 660<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower monthly housing expense history shows 3 years with no late payments. |
| 799393 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 5 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 717. G/l min is 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage payment history past 24 months<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 consumer credit history past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 20.14 months piti reserves |
| 799511 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 769 mid-score per CBR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 3 years living at primary residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 33.98 months of reserves in file<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 192 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 178 months of 0x30 mortgage history per CBR. |
| 799513 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 726 mid-score per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 54 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 6.83 months of reserves in file. |
| 799590 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 51.60% LTV per review; 75% LTV is maximum allowed per guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 6.15 months of reserves in file.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 24 months of 0x30 mortgage history statement history. |
| 799847 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | Credit | Income/Employment | Waived C B | CRDINC150 | Income docs do not meet guidelines | No | Missing xxxxxx Overview report and Full xxxxxx xxxxxx report. xxxxxx report provided does not reflect the following: xxxxxx comparable properties within same zip code (report only reflects xxxxxx and zip code is not reflected). | 11.13.2023- SR. Clayton U/W review: xxxxxx provided with xxxxxx comparable properties xxxxxx the xxxxxx required by guidelines. LTV is 80%, 10% lower than max 90%, fico 754 (program minimum 680, mortgage history is excellent with 0x30 for the previous 2 years DSCR is factored using 20%vacancy reduction for short-term rental, $111,400 x 80%/12 / $5,214.03, DSCR is greater than 1.4170. Exception non-material, no further action required11.21.2023 - Acknowledged by client. | 11.13.2023-Exceptoin non-material11.21.2023 - Non Material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 754 mid-score per CBR<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 26 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 8.15 months of reserves in file. 0 required. |
| 803855 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 760 mid-score per CBR.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 63.08% LTV per review; 75% LTV is maximum allowed per guidelines.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 184 months of 0x30 mortgage history per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 78 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 50.33 months of reserves in file. |
| 803861 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 49 months PITIA is 43 months greater than the 6 months reserves required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 33.33% is 36.67% below the 70% LTV allowed for the program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 706 is 46 points above the 660 FICO required for the program. |
| 803972 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 770 qualifying credit score per CBR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 3 years living at primary residence.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 47 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 264 months of 0x30 mortgage history per CBR. |
| 803977 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 60%. G/l max is 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: G/l min is 700. Qualifying fico is 769<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage payment history past 24 months |
| 804096 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 2 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 60.92%. G/l max is 70%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage payment history past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 24.58 months piti reserves |
| 808921 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV is 65%. G/l min is 46.92%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 747. G/l min is 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage payment history in past 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 105.12 months piti reserves |
| 809138 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median score is >63 points than guideline requires<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 on all accounts<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit history shows 0x30x63<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage history shows 0x30x107 |
| 836654 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Consumer debt: 1x30 x greater than 200 months<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal use of available revolving credit at < 5%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have occupied subject property for 24 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed for 35 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: CoBorrower has been self-employed for 19 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 54.70% LTV < maximum permitted of 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 798 mid score > minimum required of 660<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.77% DTI < maximum permitted of 43%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets: $451,272.12, 31.76 months; required reserves of 9 months PITIA @ $14,208.55 = $127,876.86. |
| 837237 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence for 18 years.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has 0x30x44 positive mortgage payments.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 50 points above guideline minimum |
| 837297 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B C A | C | B C A | C | B C A | C | B | Compliance | Right of Rescission | Satisfied B | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | Final CD issued xxxxxx reflects disbursement date of xxxxxx. ROR in file reflects 3rd day of rescission as xxxxxx. Borrower was not provided with full 3-day rescission period. Disbursement would have had to occur After xxxxxx. | 5.21.25-Client provided PCCD issued xxxxxx, updating disbursement date, closing cost & cash to close. Satisfied. | 5.21.25- Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 5 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $81,925.19 , 18.71 months; 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 697 exceeds the guideline program minimum of 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 43.62% is below the maximum allowable 50%. |
| 837297 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B C A | C | B C A | C | B C A | C | B | Compliance | Right of Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Final CD issued xxxxxx reflects disbursement date of xxxxxx. ROR in file reflects 3rd day of rescission as xxxxxx. Borrower was not provided with full 3-day rescission period. Disbursement would have had to occur After xxxxxx. | 5.21.25-Client provided PCCD issued xxxxxx, updating disbursement date, closing cost & cash to close. Satisfied. | 5.21.25- Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 5 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $81,925.19 , 18.71 months; 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 697 exceeds the guideline program minimum of 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 43.62% is below the maximum allowable 50%. |
| 837641 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 48 months with 0x30 Mortgage paymenthistory exceeds guidelines of 24 months..<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 64.35% LTV for Subject Property is below guideline max LTV of 70%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 755 > 55 points above guideline program minimum of 700. |
| 837861 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $1,356,745.54 , 240.22 months; 6 months reserves required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70% LTV below guideline requirements of 75% per program.<br>CFCFS3824: Borrower contributed an additional down payment<br> - Clayton Comments: Borrower contributed an additional $45,000 above the required $225,000 down payment for a total down payment of $270,000. |
| 838261 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D C | A | A D C | A | A D C | A | A D C | A | A D C | A | A | Credit | Application | Satisfied D A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Missing participant list from Fraud report; the only participants found were the borrower and the lender. | 5-27-25: Client uploaded participant list from Fraud report. | 5-27-25: Clayton reviewed participant list from Fraud report, all participants cleared. Exception satisfied. | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $171,130.05, 42.19 months; 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below the maximum allowable of 75%.<br>CFCFS3824: Borrower contributed an additional down payment<br> - Clayton Comments: Borrower contributed an additional $33,600above the required $168,000 down payment for a total down payment of $201,600. |
| 838261 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D C | A | A D C | A | A D C | A | A D C | A | A D C | A | A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR2502 | Appraiser is currently on an exclusionary list | No | Missing verification that appraiser is not on any exclusionary list. | 5-27-25: Client uploaded participant list from fraud report. | 5-27-25: Clayton reviewed participant list from Fraud report, appraiser not on any list and is registered. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $171,130.05, 42.19 months; 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below the maximum allowable of 75%.<br>CFCFS3824: Borrower contributed an additional down payment<br> - Clayton Comments: Borrower contributed an additional $33,600above the required $168,000 down payment for a total down payment of $201,600. |
| 838306 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS3824: Borrower contributed an additional down payment<br> - Clayton Comments: Borrower contributed an additional $34,000 above the required $170,000 down payment for a total down payment of $204,000.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70% LTV < maximum permitted of 75% |
| 842101 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score is 784, Guidelines require 700. |

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## Exhibit 99.30

**EXHIBIT 99.30**

**CLAYTON LOAN LEVEL TAPE COMPARE UPLOAD**

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| | |
|:---|:---|
| **Client Name:** | **Verus** |
| **Client Project Name:** | **Verus 2025-10** |
| **Start - End Dates:** | **6/2022 - 8/2025** |
| **Deal Loan Count:** | **142** |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 772278 | xxxxxx | Cash Reserves | 81885.86 | 45522.34 |
| 772278 | xxxxxx | Months Reserves | 50.00 | 50.03 |
| 772278 | xxxxxx | Total Cash Out | 36363.52 | 0.00 |
| 772335 | xxxxxx | Cash Reserves | 263.04 | 407140.28 |
| 772335 | xxxxxx | Credit Report Date | xxxxxx | xxxxxx |
| 772335 | xxxxxx | Months Reserves | 6.00 | 106.65 |
| 772335 | xxxxxx | Total Cash Out | (262898.77) | 262898.77 |
| 772340 | (No Data) | Borrower DSCR Percent | 1.0185 | 1.0034 |
| 772340 | (No Data) | Cash Reserves | 59110.75 | 42364.50 |
| 772340 | (No Data) | Combined LTV | 71.05 | 75.00 |
| 772340 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 772340 | (No Data) | Months Reserves | '-16.00 | 35.43 |
| 772340 | (No Data) | Total Cash Out | (155.41) | 0.00 |
| 772344 | (No Data) | Months Reserves | 6.00 | 18.56 |
| 772344 | (No Data) | Prepay Penalty Flag | No | Yes |
| 772344 | (No Data) | Total Cash Out | (24993.21) | 24810.21 |
| 772347 | (No Data) | Borrower DSCR Percent | 1.4172 | 1.4171 |
| 772347 | (No Data) | Credit Report Date | xxxxxx | xxxxxx |
| 772347 | (No Data) | Months Reserves | 6.00 | 22.46 |
| 772347 | (No Data) | Property Type | SFR | SFR-Attached |
| 772347 | (No Data) | Total Cash Out | (20206.04) | 20206.04 |
| 772348 | xxxxxx | Borrower DSCR Percent | 0.7339 | 0.7338 |
| 772348 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 772348 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 772348 | xxxxxx | Months Reserves | '-107.00 | 12.50 |
| 772348 | xxxxxx | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 772348 | xxxxxx | Total Cash Out | (1519.16) | 0.00 |
| 772350 | xxxxxx | Months Reserves | 6.00 | 138.01 |
| 772350 | xxxxxx | Total Cash Out | (495954.07) | 495872.34 |
| 772351 | xxxxxx | Months Reserves | 33.00 | 49.94 |
| 772351 | xxxxxx | Total Cash Out | (53147.09) | 49147.09 |
| 773678 | (No Data) | Borrower DSCR Percent | 1.7959 | 1.8173 |
| 773678 | (No Data) | Combined LTV | 73.62 | 75.00 |
| 773678 | (No Data) | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) |
| 773678 | (No Data) | Total Cash Out | 189397.06 | 0.00 |
| 773689 | (No Data) | Borrower DSCR Percent | 1.0061 | 1.006 |
| 773689 | (No Data) | Cash Reserves | 70805.45 | 41354.24 |
| 773689 | (No Data) | Months Reserves | 38.00 | 37.82 |
| 773689 | (No Data) | Total Cash Out | 29451.21 | 0.00 |
| 773692 | (No Data) | Combined LTV | 75.00 | 61.58 |
| 773692 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 773692 | (No Data) | Months Reserves | 6.00 | 133.29 |
| 773692 | (No Data) | Original Appraised Value | xxxxxx | xxxxxx |
| 773692 | (No Data) | Original LTV | 75.00 | 61.58 |
| 773692 | (No Data) | Total Cash Out | (31417.88) | 31319.78 |
| 773698 | (No Data) | Borrower 2 First Name | xxxxxx | xxxxxx |
| 773698 | (No Data) | Borrower DSCR Percent | 1.3845 | 1.3844 |
| 773698 | (No Data) | Disbursement Date | xxxxxx | xxxxxx |
| 773698 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 773698 | (No Data) | First Rate Change Date | xxxxxx | xxxxxx |
| 773698 | (No Data) | Months Reserves | 6.00 | 109.46 |
| 773698 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 773698 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 773698 | (No Data) | Total Cash Out | (142307.09) | 142307.09 |
| 774320 | xxxxxx | Cash Reserves | 775308.38 | 20872.86 |
| 774320 | xxxxxx | Months Reserves | 297.00 | 8.24 |
| 774320 | xxxxxx | Origination Date | xxxxxx | xxxxxx |
| 774320 | xxxxxx | Total Cash Out | (7142.05) | 7142.05 |
| 774322 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 774322 | (No Data) | Total Cash Out | (37079.60) | 37079.60 |
| 774324 | xxxxxx | Cash Reserves | 464080.17 | 161478.09 |
| 774324 | xxxxxx | Combined LTV | 65.24 | 74.31 |
| 774324 | xxxxxx | Months Reserves | 328.00 | 129.38 |
| 774324 | xxxxxx | Total Cash Out | 55334.48 | 0.00 |
| 775347 | (No Data) | Borrower DSCR Percent | 1.2278 | 1.2277 |
| 775347 | (No Data) | Cash Reserves | 104244.36 | 52414.19 |
| 775347 | (No Data) | Months Reserves | 29.00 | 20.76 |
| 775347 | (No Data) | Total Cash Out | (3971.75) | 0.00 |
| 775442 | xxxxxx | Cash Reserves | 63650.70 | 126259.87 |
| 775442 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 775442 | xxxxxx | Months Reserves | '-109.00 | 35.94 |
| 775442 | xxxxxx | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 775442 | xxxxxx | Total Cash Out | 446352.48 | 0.00 |
| 775569 | xxxxxx | Cash Reserves | 107944.41 | 54340.62 |
| 775569 | xxxxxx | Credit Report Date | xxxxxx | xxxxxx |
| 775569 | xxxxxx | Months Reserves | 23.00 | 20.22 |
| 775569 | xxxxxx | Periodic Rate Cap | 5.000 | 1.000 |
| 775569 | xxxxxx | Property Type | Detached PUD | Attached PUD |
| 775569 | xxxxxx | Total Cash Out | 45218.92 | 0.00 |
| 776244 | xxxxxx | Borrower DSCR Percent | 1.0526 | 1.0525 |
| 776244 | xxxxxx | Cash Reserves | 114811.42 | 19837.85 |
| 776244 | xxxxxx | Combined LTV | 73.35 | 75.00 |
| 776244 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 776244 | xxxxxx | Months Reserves | 4.00 | 7.73 |
| 776244 | xxxxxx | Total Cash Out | 104361.05 | 0.00 |
| 776418 | xxxxxx | Cash Reserves | 236575.41 | 318957.42 |
| 776418 | xxxxxx | Combined LTV | 71.21 | 80.00 |
| 776418 | xxxxxx | Debt to Income Ratio (Back) | 31.0590 | 41.0092 |
| 776418 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 776418 | xxxxxx | Months Reserves | 26.00 | 50.70 |
| 776418 | xxxxxx | Total Cash Out | 184779.43 | 0.00 |
| 776479 | xxxxxx | Cash Reserves | 88028.89 | 7934.51 |
| 776479 | xxxxxx | Combined LTV | 73.68 | 75.00 |
| 776479 | xxxxxx | Prepay Penalty Flag | Yes | No |
| 776479 | xxxxxx | Total Cash Out | 434018.08 | 0.00 |
| 776946 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 776946 | (No Data) | Months Reserves | 51.00 | 66.76 |
| 776946 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 776946 | (No Data) | Product Type | 7/1 ARM | 7/6 ARM |
| 776946 | (No Data) | Total Cash Out | (146533.80) | 148826.62 |
| 777010 | xxxxxx | DTI Qualifying (Back) | 20.3500 | 42.9300 |
| 777010 | xxxxxx | Months Reserves | 66.00 | 60.17 |
| 777010 | xxxxxx | Total Cash Out | (173021.48) | 172984.52 |
| 777045 | xxxxxx | Months Reserves | 12.00 | 13.07 |
| 777045 | xxxxxx | Total Cash Out | 66758.31 | 0.00 |
| 777045 | xxxxxx | Cash Reserves | 114477.46 | 50557.39 |
| 777235 | (No Data) | Total Cash Out | (117829.94) | 117829.94 |
| 777745 | xxxxxx | Months Reserves | 7.00 | 6.44 |
| 777745 | xxxxxx | Total Cash Out | (3771.58) | 2000.00 |
| 777745 | xxxxxx | Cash Reserves | 41350.60 | 37689.51 |
| 777753 | (No Data) | Borrower DSCR Percent | 1.0077 | 1.0076 |
| 777753 | (No Data) | Combined LTV | 78.62 | 80.00 |
| 777753 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 777753 | (No Data) | Months Reserves | 2.00 | 2.08 |
| 777753 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 777753 | (No Data) | Product Type | 10/1 I/O ARM | 10/6 IO ARM |
| 777753 | (No Data) | Total Cash Out | 94165.43 | 0.00 |
| 777753 | (No Data) | Cash Reserves | 99335.19 | 5169.76 |
| 777880 | xxxxxx | Borrower DSCR Percent | 0.9135 | 0.9134 |
| 777880 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 777880 | xxxxxx | Months Reserves | 24.00 | 23.92 |
| 777880 | xxxxxx | Total Cash Out | 113533.72 | 0.00 |
| 777880 | xxxxxx | Cash Reserves | 167984.98 | 54992.54 |
| 778307 | (No Data) | Borrower DSCR Percent | 1.104 | 1.1039 |
| 778307 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778307 | (No Data) | Months Reserves | 14.00 | 14.19 |
| 778307 | (No Data) | Periodic Rate Cap | 2.000 | 1.000 |
| 778307 | (No Data) | Product Type | 10/1 I/O ARM | 10/6 IO ARM |
| 778307 | (No Data) | Total Cash Out | 114143.10 | 0.00 |
| 778307 | (No Data) | Cash Reserves | 165549.46 | 51406.36 |
| 778432 | xxxxxx | Borrower 1 Total Income | 35406.92 | 34808.25 |
| 778432 | xxxxxx | Months Reserves | 6.00 | 41.76 |
| 778432 | xxxxxx | Total Cash Out | (138299.35) | 138374.35 |
| 778432 | xxxxxx | Total Monthly Income | xxxxxx | xxxxxx |
| 778646 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778646 | xxxxxx | Months Reserves | 4.00 | 4.36 |
| 778646 | xxxxxx | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 778646 | xxxxxx | Total Cash Out | 167300.77 | 0.00 |
| 778646 | xxxxxx | Cash Reserves | 193378.00 | 26078.53 |
| 778906 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 778906 | (No Data) | Months Reserves | 6.00 | 33.65 |
| 778906 | (No Data) | Total Cash Out | (67318.08) | 50105.37 |
| 778906 | (No Data) | Cash Reserves | 154405.00 | 284535.84 |
| 779029 | xxxxxx | Borrower DSCR Percent | 1.265 | 1.2649 |
| 779029 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 779029 | xxxxxx | Months Reserves | 6.00 | 39.67 |
| 779029 | xxxxxx | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 779029 | xxxxxx | Total Cash Out | (214804.48) | 214804.48 |
| 779139 | xxxxxx | Borrower DSCR Percent | 1.0863 | 1.0462 |
| 779139 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 779139 | xxxxxx | Months Reserves | 55.00 | 109.94 |
| 779139 | xxxxxx | Total Cash Out | 39591.55 | 0.00 |
| 779139 | xxxxxx | Cash Reserves | 93468.42 | 112435.64 |
| 779555 | xxxxxx | Borrower 1 Total Income | 6594.76 | 6273.80 |
| 779555 | xxxxxx | Credit Report Date | xxxxxx | xxxxxx |
| 779555 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 779555 | xxxxxx | Months Reserves | 12.00 | 11.54 |
| 779555 | xxxxxx | Total Cash Out | 63004.88 | 0.00 |
| 779555 | xxxxxx | Total Monthly Income | xxxxxx | xxxxxx |
| 779555 | xxxxxx | Cash Reserves | 88450.10 | 25190.06 |
| 781064 | (No Data) | Borrower DSCR Percent | 1.1454 | 1.0022 |
| 781064 | (No Data) | Combined LTV | 72.46 | 75.00 |
| 781064 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 781064 | (No Data) | Months Reserves | 26.00 | 34.19 |
| 781064 | (No Data) | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 781064 | (No Data) | Total Cash Out | 93561.57 | 0.00 |
| 781064 | (No Data) | Cash Reserves | 141910.00 | 73348.48 |
| 781069 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 781069 | xxxxxx | Months Reserves | 4.00 | 8.19 |
| 781069 | xxxxxx | Total Cash Out | 76581.18 | 0.00 |
| 781069 | xxxxxx | Cash Reserves | 88865.38 | 25137.82 |
| 781366 | xxxxxx | Borrower 1 Total Income | 2836.53 | 2836.62 |
| 781366 | xxxxxx | Combined LTV | 88.23 | 90.00 |
| 781366 | xxxxxx | Months Reserves | 5.00 | 9.28 |
| 781366 | xxxxxx | Total Cash Out | 33892.55 | 0.00 |
| 781366 | xxxxxx | Total Monthly Income | xxxxxx | xxxxxx |
| 781366 | xxxxxx | Cash Reserves | 18389.63 | 25465.73 |
| 781414 | xxxxxx | Credit Report Date | xxxxxx | xxxxxx |
| 781414 | xxxxxx | Total Cash Out | (53207.52) | 53207.52 |
| 781414 | xxxxxx | Cash Reserves | 124403.00 | 208711.94 |
| 781430 | (No Data) | Borrower DSCR Percent | 1.036 | 0.8959 |
| 781430 | (No Data) | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 781430 | (No Data) | Months Reserves | 6.00 | 33.44 |
| 781430 | (No Data) | Original LTV | 69.56 | 69.57 |
| 781430 | (No Data) | Total Cash Out | (119440.91) | 119440.91 |
| 781621 | xxxxxx | Borrower DSCR Percent | 1.131 | 1.1309 |
| 781621 | xxxxxx | Credit Report Date | xxxxxx | xxxxxx |
| 781621 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 781621 | xxxxxx | Total Cash Out | (132143.03) | 132143.03 |
| 781646 | xxxxxx | Credit Report Date | xxxxxx | xxxxxx |
| 781646 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 781646 | xxxxxx | Months Reserves | 3.00 | 9.82 |
| 781646 | xxxxxx | Total Cash Out | 62738.54 | 0.00 |
| 781646 | xxxxxx | Cash Reserves | 67309.78 | 15571.24 |
| 781749 | xxxxxx | Borrower DSCR Percent | 1.0198 | 0.8925 |
| 781749 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 781749 | xxxxxx | Months Reserves | 23.00 | 19.72 |
| 781749 | xxxxxx | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 781749 | xxxxxx | Total Cash Out | 107259.44 | 0.00 |
| 781749 | xxxxxx | Cash Reserves | 164705.06 | 57445.62 |
| 782989 | xxxxxx | Months Reserves | 6.00 | 8.90 |
| 782989 | xxxxxx | Total Cash Out | 88652.23 | 0.00 |
| 782989 | xxxxxx | Cash Reserves | 111821.62 | 31824.45 |
| 782999 | xxxxxx | Borrower DSCR Percent | 1.1451 | 1.145 |
| 782999 | xxxxxx | Months Reserves | 6.00 | 30.12 |
| 782999 | xxxxxx | Total Cash Out | 44286.81 | 0.00 |
| 782999 | xxxxxx | Cash Reserves | 59080.59 | 73640.33 |
| 783331 | xxxxxx | Months Reserves | 20.00 | 15.36 |
| 783331 | xxxxxx | Total Cash Out | 163601.57 | 0.00 |
| 783331 | xxxxxx | Cash Reserves | 273392.19 | 83030.62 |
| 783604 | xxxxxx | Months Reserves | 6.00 | 6.72 |
| 783604 | xxxxxx | Total Cash Out | 11779.87 | 15140.65 |
| 783730 | xxxxxx | Cash Reserves | 523710.73 | 218775.52 |
| 783730 | xxxxxx | ATR/QM Status | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors |
| 783730 | xxxxxx | Months Reserves | 34.00 | 14.49 |
| 783730 | xxxxxx | Product Type | 30 Yr Fixed | Jumbo 30yr Fixed |
| 783786 | (No Data) | Cash Reserves | 120626.74 | 104472.29 |
| 783786 | (No Data) | Borrower DSCR Percent | 0.79 | 0.7936 |
| 783786 | (No Data) | Months Reserves | 95.00 | 82.91 |
| 783786 | (No Data) | Total Cash Out | (99460.77) | 99460.77 |
| 783788 | (No Data) | Borrower DSCR Percent | 0.76 | 0.763 |
| 783788 | (No Data) | Months Reserves | 83.00 | 83.03 |
| 783788 | (No Data) | Original Appraised Value | xxxxxx | xxxxxx |
| 783788 | (No Data) | Total Cash Out | (103382.06) | 103382.06 |
| 783846 | xxxxxx | Cash Reserves | '-55183.85 | 58426.63 |
| 783846 | xxxxxx | Borrower DSCR Percent | 1 |  |
| 783846 | xxxxxx | DTI Qualifying (Front) | 33.69 | 33.65 |
| 783846 | xxxxxx | Months Reserves | '-27.00 | 27.80 |
| 784001 | xxxxxx | Combined LTV | 68.88 | 70.00 |
| 784001 | xxxxxx | Months Reserves | 13.00 | 12.18 |
| 784001 | xxxxxx | Total Cash Out | 89895.31 | 0.00 |
| 784001 | xxxxxx | Cash Reserves | 118820.70 | 26384.10 |
| 784364 | xxxxxx | Months Reserves | 38.00 | 37.24 |
| 784364 | xxxxxx | Total Cash Out | (339.26) | 0.00 |
| 784364 | xxxxxx | Cash Reserves | 305005.66 | 335936.27 |
| 784367 | xxxxxx | Borrower 1 Self Employed Flag | Yes | No |
| 784367 | xxxxxx | Borrower 1 Total Income | 9799.08 | 9663.25 |
| 784367 | xxxxxx | Combined LTV | 61.83 | 65.00 |
| 784367 | xxxxxx | Credit Report Date | xxxxxx | Not Applicable |
| 784367 | xxxxxx | Months Reserves | 60.00 | 61.63 |
| 784367 | xxxxxx | Total Cash Out | 220136.36 | 0.00 |
| 784367 | xxxxxx | Total Monthly Income | xxxxxx | 9663.25 |
| 784367 | xxxxxx | Cash Reserves | 432502.60 | 227366.24 |
| 784474 | (No Data) | Borrower 1 Self Employed Flag | Yes | No |
| 784474 | (No Data) | Credit Report Date | xxxxxx | 01/05/2023 |
| 784640 | xxxxxx | Combined LTV | 67.93 | 69.76 |
| 784640 | xxxxxx | Total Cash Out | 107361.88 | 0.00 |
| 784640 | xxxxxx | Cash Reserves | 106044.51 | 5483.28 |
| 784683 | (No Data) | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 784683 | (No Data) | Months Reserves | 108.00 | 77.32 |
| 784683 | (No Data) | Product Type | 7/1 ARM | 7/6 ARM |
| 784683 | (No Data) | Total Cash Out | 26810.52 | 0.00 |
| 784683 | (No Data) | Cash Reserves | 402246.54 | 269161.84 |
| 785009 | xxxxxx | Combined LTV | 67.74 | 70.00 |
| 785009 | xxxxxx | Credit Report Date | xxxxxx | 02/06/2023 |
| 785009 | xxxxxx | Months Reserves | 108.00 | 115.86 |
| 785009 | xxxxxx | Total Cash Out | 68132.49 | 0.00 |
| 785009 | xxxxxx | Cash Reserves | 213866.48 | 155733.99 |
| 785089 | xxxxxx | Borrower 1 Self Employed Flag | Yes | No |
| 785089 | xxxxxx | Borrower DSCR Percent | 1.0117 | 1.0224 |
| 785089 | xxxxxx | Combined LTV | 73.19 | 80.00 |
| 785089 | xxxxxx | Months Reserves | 2.00 | 11.07 |
| 785089 | xxxxxx | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 785089 | xxxxxx | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 785089 | xxxxxx | Total Cash Out | 59981.32 | 0.00 |
| 785089 | xxxxxx | Cash Reserves | 64954.34 | 25996.24 |
| 785090 | xxxxxx | Borrower 1 Total Income | 7589.63 | 5785.34 |
| 785090 | xxxxxx | Combined LTV | 63.70 | 65.00 |
| 785090 | xxxxxx | Ever in Foreclosure | Yes | No |
| 785090 | xxxxxx | Months Reserves | 5.00 | 6.01 |
| 785090 | xxxxxx | Total Cash Out | (153.00) | 0.00 |
| 785090 | xxxxxx | Total Monthly Income | xxxxxx | 12349.05 |
| 785090 | xxxxxx | Cash Reserves | 189532.15 | 16396.17 |
| 785157 | xxxxxx | Borrower 1 Total Income | 25686.00 | 25686.25 |
| 785157 | xxxxxx | Credit Report Date | xxxxxx | 02/09/2023 |
| 785157 | xxxxxx | Months Reserves | 3.00 | 9.42 |
| 785157 | xxxxxx | Representative Credit Score for Grading | 729 | 719 |
| 785157 | xxxxxx | Total Cash Out | 131206.95 | 0.00 |
| 785157 | xxxxxx | Total Monthly Income | xxxxxx | 25686.25 |
| 785157 | xxxxxx | Cash Reserves | 98108.43 | 60579.13 |
| 785249 | xxxxxx | Borrower DSCR Percent | 1.2825 | 1.2824 |
| 785249 | xxxxxx | Months Reserves | 17.00 | 21.70 |
| 785249 | xxxxxx | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 785249 | xxxxxx | Total Cash Out | 271128.01 | 0.00 |
| 785249 | xxxxxx | Cash Reserves | 387883.03 | 152249.34 |
| 785325 | xxxxxx | Borrower 1 Total Income | 12944.44 | 12937.69 |
| 785325 | xxxxxx | Combined LTV | 86.56 | 90.00 |
| 785325 | xxxxxx | Months Reserves | 8.00 | 8.33 |
| 785325 | xxxxxx | Total Cash Out | 76397.86 | 0.00 |
| 785325 | xxxxxx | Total Monthly Income | xxxxxx | 12937.69 |
| 785325 | xxxxxx | Cash Reserves | 119113.43 | 44827.54 |
| 785337 | (No Data) | Months Reserves | 6.00 | 11.68 |
| 785337 | (No Data) | Cash Reserves | 22418.87 | 33680.63 |
| 785475 | (No Data) | Combined LTV | 70.31 | 75.00 |
| 785475 | (No Data) | Months Reserves | 14.00 | 12.64 |
| 785475 | (No Data) | Original Appraisal Date | 02/03/2023 | 02/01/2023 |
| 785475 | (No Data) | Property Type | Detached PUD | Attached PUD |
| 785475 | (No Data) | Total Cash Out | 86602.99 | 0.00 |
| 785475 | (No Data) | Cash Reserves | 120358.60 | 30221.44 |
| 785536 | xxxxxx | Credit Report Date | xxxxxx | 12/28/2022 |
| 785536 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 785536 | xxxxxx | Months Reserves | 9.00 | 15.83 |
| 785536 | xxxxxx | Total Cash Out | 231292.69 | 0.00 |
| 785536 | xxxxxx | Cash Reserves | 351393.92 | 212101.23 |
| 785660 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 785660 | xxxxxx | Months Reserves | 6.00 | 85.97 |
| 785660 | xxxxxx | Original Appraisal Date | 03/02/2023 | 02/21/2023 |
| 785660 | xxxxxx | Original P&I | 6246.63 | 6246.62 |
| 785660 | xxxxxx | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 785660 | xxxxxx | Total Cash Out | 641031.50 | 849150.71 |
| 785663 | xxxxxx | Months Reserves | 6.00 | 94.10 |
| 785663 | xxxxxx | Property Type | Detached PUD | Attached PUD |
| 785663 | xxxxxx | Total Cash Out | 129121.85 | 129121.50 |
| 785671 | xxxxxx | Credit Report Date | xxxxxx | 02/21/2023 |
| 785671 | xxxxxx | Months Reserves | 6.00 | 45.51 |
| 785740 | xxxxxx | Borrower 1 Total Income | 5237.73 | 4895.17 |
| 785740 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 785740 | xxxxxx | Months Reserves | 6.00 | 15.06 |
| 785740 | xxxxxx | Total Cash Out | 44747.51 | 65093.32 |
| 785740 | xxxxxx | Total Monthly Income | xxxxxx | 8024.89 |
| 785970 | xxxxxx | Borrower 1 Total Income | 4441.27 | 6045.87 |
| 785970 | xxxxxx | Months Reserves | 9.00 | 8.82 |
| 785970 | xxxxxx | Property Type | SFR | Low Rise Condo (1-4) |
| 785970 | xxxxxx | Total Cash Out | 45717.76 | 0.00 |
| 785970 | xxxxxx | Total Monthly Income | xxxxxx | 6045.87 |
| 785970 | xxxxxx | Cash Reserves | 62342.22 | 16631.17 |
| 786338 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 786338 | xxxxxx | Months Reserves | 47.00 | 33.06 |
| 786338 | xxxxxx | Total Cash Out | (683.66) | 0.00 |
| 786338 | xxxxxx | Cash Reserves | 1436178.08 | 1017333.51 |
| 786460 | (No Data) | Months Reserves | 15.00 | 14.81 |
| 786460 | (No Data) | Total Cash Out | 98284.45 | 0.00 |
| 786460 | (No Data) | Cash Reserves | 122067.49 | 23783.04 |
| 786517 | xxxxxx | Borrower DSCR Percent | 0.6744 |  |
| 786517 | xxxxxx | Combined LTV | 73.74 | 75.00 |
| 786517 | xxxxxx | Months Reserves | 31.00 | 29.20 |
| 786517 | xxxxxx | Property Type | Detached PUD | Attached PUD |
| 786517 | xxxxxx | Total Cash Out | 157563.87 | 0.00 |
| 786517 | xxxxxx | Cash Reserves | 289185.02 | 125403.02 |
| 786967 | (No Data) | Product Type | 7/1 ARM | 7/6 ARM |
| 786967 | (No Data) | Property Type | SFR | SFR-Attached |
| 787209 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 787209 | xxxxxx | Months Reserves | 26.00 | 121.89 |
| 787209 | xxxxxx | Original Appraisal Date | 02/13/2023 | 04/28/2023 |
| 787209 | xxxxxx | Original Appraised Value | xxxxxx | xxxxxx |
| 787209 | xxxxxx | Original LTV | 67.31 | 66.67 |
| 787209 | xxxxxx | Property Type | Multi-Family | 5+ Units |
| 787209 | xxxxxx | Total Cash Out | 630430.17 | 629880.17 |
| 787209 | xxxxxx | Cash Reserves | 174044.54 | 794935.97 |
| 790405 | (No Data) | Borrower DSCR Percent | 0.7543 | 0.7544 |
| 790405 | (No Data) | Combined LTV | 68.54 | 70.00 |
| 790405 | (No Data) | Ever in Foreclosure | No | Not Applicable |
| 790405 | (No Data) | Months Reserves | 18.00 | 17.82 |
| 790405 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 790405 | (No Data) | Total Cash Out | 23719.24 | 0.00 |
| 790405 | (No Data) | Cash Reserves | 112263.55 | 87383.34 |
| 790657 | xxxxxx | Borrower 1 Total Income | 130482.82 | 125505.03 |
| 790657 | xxxxxx | Months Reserves | 18.00 | 24.61 |
| 790657 | xxxxxx | Total Cash Out | 119131.26 | 0.00 |
| 790657 | xxxxxx | Total Monthly Income | xxxxxx | 125505.03 |
| 790657 | xxxxxx | Cash Reserves | 181201.88 | 84269.23 |
| 790699 | xxxxxx | Credit Report Date | xxxxxx | 04/24/2023 |
| 790699 | xxxxxx | Months Reserves | 16.00 | 71.35 |
| 790699 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 790699 | xxxxxx | Property Type | Detached PUD | Attached PUD |
| 790699 | xxxxxx | Total Cash Out | 115887.65 | 0.00 |
| 790699 | xxxxxx | Cash Reserves | 160674.71 | 205411.73 |
| 790707 | xxxxxx | Combined LTV | 77.83 | 80.00 |
| 790707 | xxxxxx | Months Reserves | 2.00 | 7.16 |
| 790707 | xxxxxx | Total Cash Out | 118353.46 | 0.00 |
| 790707 | xxxxxx | Cash Reserves | 129978.59 | 41676.17 |
| 790812 | xxxxxx | Borrower 1 Total Income | 23733.75 | 23733.84 |
| 790812 | xxxxxx | Debt to Income Ratio (Back) | 41.1310 | 34.7941 |
| 790812 | xxxxxx | Total Cash Out | (52403.16) | 0.00 |
| 790812 | xxxxxx | Total Monthly Income | xxxxxx | 47467.60 |
| 790812 | xxxxxx | Cash Reserves | 139317.77 | 131172.55 |
| 790887 | (No Data) | Borrower DSCR Percent | 1.1405 | 1.1409 |
| 790887 | (No Data) | Combined LTV | 65.97 | 75.00 |
| 790887 | (No Data) | Credit Report Date | xxxxxx | 05/17/2023 |
| 790887 | (No Data) | Months Reserves | '-8.00 | 19.69 |
| 790887 | (No Data) | Total Cash Out | 42690.93 | 0.00 |
| 790887 | (No Data) | Cash Reserves | 32574.00 | 25888.14 |
| 790891 | xxxxxx | Borrower 1 Self Employed Flag | Yes | No |
| 790891 | xxxxxx | Borrower DSCR Percent | 1.2285 | 1.2286 |
| 790891 | xxxxxx | Credit Report Date | xxxxxx | 05/03/2023 |
| 790891 | xxxxxx | Ever in Foreclosure | No | Yes |
| 790891 | xxxxxx | Months Reserves | 9.00 | 1.55 |
| 790891 | xxxxxx | Representative Credit Score for Grading | 712 | 727 |
| 790891 | xxxxxx | Total Cash Out | 224487.24 | 0.00 |
| 790891 | xxxxxx | Cash Reserves | 271108.00 | 7625.16 |
| 790978 | (No Data) | Months Reserves | '-63.00 | 3.24 |
| 790978 | (No Data) | Total Cash Out | (4568.80) | 4568.80 |
| 790978 | (No Data) | Cash Reserves | 22113.34 | 26682.14 |
| 791124 | (No Data) | Months Reserves | 10.00 | 10.22 |
| 791124 | (No Data) | Total Cash Out | 489718.01 | 0.00 |
| 791124 | (No Data) | Cash Reserves | 209210.18 | 128504.62 |
| 791128 | xxxxxx | Ever in Foreclosure | No | Not Applicable |
| 791128 | xxxxxx | Months Reserves | 35.00 | 36.33 |
| 791128 | xxxxxx | Total Cash Out | 94416.46 | 0.00 |
| 791128 | xxxxxx | Cash Reserves | 152587.46 | 60263.88 |
| 791133 | xxxxxx | Months Reserves | 112.00 | 118.34 |
| 791133 | xxxxxx | Total Cash Out | 46004.80 | 0.00 |
| 791133 | xxxxxx | Cash Reserves | 215672.85 | 179310.19 |
| 791195 | xxxxxx | Borrower DSCR Percent | 1.0791 | 1.079 |
| 791195 | xxxxxx | Months Reserves | 11.00 | 106.93 |
| 791195 | xxxxxx | Total Cash Out | 16213.08 | 0.00 |
| 791195 | xxxxxx | Cash Reserves | 32843.13 | 168460.25 |
| 791815 | xxxxxx | Combined LTV | 76.00 | 80.00 |
| 791815 | xxxxxx | Months Reserves | 32.00 | 33.04 |
| 791815 | xxxxxx | Total Cash Out | 70606.32 | 0.00 |
| 791815 | xxxxxx | Cash Reserves | 142724.51 | 74816.24 |
| 791818 | (No Data) | Months Reserves | 15.00 | 15.02 |
| 791818 | (No Data) | Total Cash Out | 4149.91 | 0.00 |
| 791818 | (No Data) | Cash Reserves | 32560.33 | 28410.42 |
| 792128 | (No Data) | Combined LTV | 66.85 | 75.00 |
| 792128 | (No Data) | Months Reserves | 65.00 | 6.65 |
| 792128 | (No Data) | Product Type | 7/1 ARM | 7/6 ARM |
| 792128 | (No Data) | Total Cash Out | 45307.98 | 0.00 |
| 792128 | (No Data) | Cash Reserves | 162055.55 | 11978.13 |
| 792387 | xxxxxx | Months Reserves | 2.00 | 13.41 |
| 792387 | xxxxxx | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 792387 | xxxxxx | Total Cash Out | 136266.96 | 0.00 |
| 792387 | xxxxxx | Cash Reserves | 141250.17 | 31935.14 |
| 792397 | (No Data) | Months Reserves | 173.00 | 172.00 |
| 792397 | (No Data) | Total Cash Out | 169777.46 | 0.00 |
| 792397 | (No Data) | Cash Reserves | 826749.56 | 652523.51 |
| 792540 | (No Data) | Months Reserves | 16.00 | 30.77 |
| 792540 | (No Data) | Product Type | 7/1 ARM | 7/6 ARM |
| 792540 | (No Data) | Property Type | Detached PUD | Attached PUD |
| 792540 | (No Data) | Total Cash Out | 188659.68 | 0.00 |
| 792540 | (No Data) | Cash Reserves | 250406.43 | 116640.74 |
| 792896 | (No Data) | Months Reserves | 6.00 | 26.64 |
| 792896 | (No Data) | Total Cash Out | (1216.20) | 1216.20 |
| 792896 | (No Data) | Cash Reserves | 10329.43 | 41237.12 |
| 792985 | (No Data) | Months Reserves | 5.00 | 4.98 |
| 792985 | (No Data) | Product Type | 7/1 ARM | 7/6 ARM |
| 792985 | (No Data) | Total Cash Out | 241450.40 | 0.00 |
| 792985 | (No Data) | Cash Reserves | 264462.00 | 23011.68 |
| 793158 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 793158 | xxxxxx | Months Reserves | 6.00 | 20.56 |
| 793491 | xxxxxx | Combined LTV | 77.61 | 80.00 |
| 793491 | xxxxxx | Credit Report Date | xxxxxx | 07/21/2023 |
| 793491 | xxxxxx | Months Reserves | 4.00 | 6.27 |
| 793491 | xxxxxx | Total Cash Out | 73073.51 | 0.00 |
| 793491 | xxxxxx | Cash Reserves | 72022.37 | 14525.52 |
| 794074 | xxxxxx | First Rate Change Date | xxxxxx | xxxxxx |
| 794074 | xxxxxx | Months Reserves | 62.00 | 35.24 |
| 794074 | xxxxxx | Original P&I | 5663.13 | 5663.12 |
| 794074 | xxxxxx | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 794074 | xxxxxx | Total Cash Out | 49227.14 | 0.00 |
| 794074 | xxxxxx | Cash Reserves | 495642.72 | 251759.67 |
| 794876 | xxxxxx | Combined LTV | 73.58 | 75.00 |
| 794876 | xxxxxx | Months Reserves | 85.00 | 74.47 |
| 794876 | xxxxxx | Total Cash Out | 69337.89 | 0.00 |
| 794876 | xxxxxx | Cash Reserves | 181234.27 | 143116.83 |
| 795335 | xxxxxx | Months Reserves | 608.00 | 737.12 |
| 795335 | xxxxxx | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 795335 | xxxxxx | Total Cash Out | 245220.92 | 0.00 |
| 795335 | xxxxxx | Cash Reserves | 2439930.03 | 2659626.78 |
| 795488 | (No Data) | Months Reserves | 21.00 | 19.01 |
| 795488 | (No Data) | Product Type | 7/1 ARM | 7/6 ARM |
| 795488 | (No Data) | Property Type | Detached PUD | Attached PUD |
| 795488 | (No Data) | Total Cash Out | 221938.34 | 0.00 |
| 795488 | (No Data) | Cash Reserves | 322021.43 | 90027.87 |
| 795550 | (No Data) | Months Reserves | '-40.00 | 15.58 |
| 795550 | (No Data) | Total Cash Out | (2113.65) | 2113.65 |
| 795550 | (No Data) | Cash Reserves | 21972.83 | 24086.48 |
| 795556 | xxxxxx | Months Reserves | 288.00 | 443.21 |
| 795556 | xxxxxx | Property Type | Low Rise Condo (1-4) | Condotel |
| 795556 | xxxxxx | Total Cash Out | 238741.25 | 0.00 |
| 795556 | xxxxxx | Cash Reserves | 1740252.99 | 2314020.43 |
| 795560 | xxxxxx | Months Reserves | 73.00 | 72.58 |
| 795560 | xxxxxx | Total Cash Out | 661534.90 | 663064.47 |
| 795641 | (No Data) | Credit Report Date | xxxxxx | 06/16/2023 |
| 795641 | (No Data) | Months Reserves | 6.00 | 91.06 |
| 795641 | (No Data) | Total Cash Out | 356567.83 | 356928.82 |
| 795847 | (No Data) | Months Reserves | 6.00 | 54.25 |
| 796196 | xxxxxx | Borrower DSCR Percent | 1.2463 | 1.2462 |
| 796196 | xxxxxx | Combined LTV | 73.75 | 75.00 |
| 796196 | xxxxxx | Months Reserves | 25.00 | 25.12 |
| 796196 | xxxxxx | Total Cash Out | 47785.65 | 0.00 |
| 796196 | xxxxxx | Cash Reserves | 86717.63 | 38695.33 |
| 796499 | xxxxxx | Months Reserves | 12.00 | 13.58 |
| 796499 | xxxxxx | Total Cash Out | 102920.97 | 0.00 |
| 796499 | xxxxxx | Cash Reserves | 135134.39 | 37016.59 |
| 796544 | xxxxxx | Months Reserves | 44.00 | 18.49 |
| 796544 | xxxxxx | Total Cash Out | (8543.77) | 0.00 |
| 796544 | xxxxxx | Cash Reserves | 47773.71 | 32735.75 |
| 798695 | xxxxxx | Months Reserves | 5.00 | 5.26 |
| 798695 | xxxxxx | Total Cash Out | 48957.51 | 0.00 |
| 798695 | xxxxxx | Cash Reserves | 56094.00 | 7136.77 |
| 799278 | xxxxxx | Cash Reserves | 779105.74 | 555745.44 |
| 799278 | xxxxxx | Months Reserves | 236.00 | 168.77 |
| 799282 | xxxxxx | DTI Qualifying (Front) | 33.08 | 34.15 |
| 799282 | xxxxxx | Months Reserves | 25.00 | 24.89 |
| 799287 | xxxxxx | Cash Reserves | 116161.74 | 35308.20 |
| 799287 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 799287 | xxxxxx | Months Reserves | 65.00 | 19.83 |
| 799288 | xxxxxx | Cash Reserves | 356250.92 | 101250.92 |
| 799288 | xxxxxx | DTI Qualifying (Front) | 17.65 | 17.74 |
| 799288 | xxxxxx | Months Reserves | 36.00 | 10.40 |
| 799335 | xxxxxx | Cash Reserves | 260667.25 | 183667.25 |
| 799335 | xxxxxx | Borrower DSCR Percent | 0.75 | 0.7521 |
| 799335 | xxxxxx | Months Reserves | 108.00 | 76.75 |
| 799343 | xxxxxx | Borrower DSCR Percent | 1.09 | 1.0933 |
| 799343 | xxxxxx | Months Reserves | 97.00 | 102.43 |
| 799353 | xxxxxx | Cash Reserves | 306624.45 | 306545.10 |
| 799353 | xxxxxx | Borrower DSCR Percent | 0.79 | 0.7985 |
| 799353 | xxxxxx | Months Reserves | 104.00 | 104.17 |
| 799353 | xxxxxx | Total Cash Out | 306624.45 | 306800.45 |
| 799364 | xxxxxx | Cash Reserves | 15252.42 | 27856.90 |
| 799364 | xxxxxx | Borrower DSCR Percent | 1.01 | 1.011 |
| 799364 | xxxxxx | Months Reserves | 8.00 | 16.09 |
| 799393 | xxxxxx | Months Reserves | 18.00 | 20.14 |
| 799393 | xxxxxx | Total Cash Out | 69782.62 | 0.00 |
| 799393 | xxxxxx | Cash Reserves | 101433.92 | 34988.36 |
| 799511 | xxxxxx | Product Type | 7/1 ARM | 7/6 ARM |
| 799513 | (No Data) | Months Reserves | 1.00 | 6.83 |
| 799513 | (No Data) | Product Type | 7/1 ARM | 7/6 ARM |
| 799513 | (No Data) | Total Cash Out | 63999.56 | 0.00 |
| 799513 | (No Data) | Cash Reserves | 65088.72 | 13089.16 |
| 799590 | (No Data) | Months Reserves | 4.00 | 6.15 |
| 799590 | (No Data) | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 799590 | (No Data) | Cash Reserves | 42202.96 | 58196.27 |
| 799847 | (No Data) | Borrower DSCR Percent | 1.7714 | 1.417 |
| 799847 | (No Data) | Months Reserves | 8.00 | 8.15 |
| 799847 | (No Data) | Total Cash Out | 96237.47 | 0.00 |
| 799847 | (No Data) | Cash Reserves | 138926.28 | 42688.81 |
| 803855 | (No Data) | Months Reserves | 6.00 | 50.33 |
| 803861 | xxxxxx | Months Reserves | 51.00 | 49.28 |
| 803861 | xxxxxx | Total Cash Out | 85963.84 | 86028.84 |
| 803972 | (No Data) | Borrower 2 First Name | xxxxxx | xxxxxx |
| 803972 | (No Data) | Borrower 2 Last Name | xxxxxx | xxxxxx |
| 803972 | (No Data) | Months Reserves | 1.00 | 0.75 |
| 803972 | (No Data) | Original Appraisal Date | 12/01/2023 | 10/09/2023 |
| 803972 | (No Data) | Total Cash Out | 4016.69 | 0.00 |
| 803972 | (No Data) | Cash Reserves | 4895.48 | 878.79 |
| 803977 | (No Data) | Months Reserves | 3.00 | 0.19 |
| 803977 | (No Data) | Product Type | 7/1 ARM | 7/6 ARM |
| 803977 | (No Data) | Total Cash Out | 416375.80 | 0.00 |
| 803977 | (No Data) | Cash Reserves | 434969.41 | 1117.61 |
| 804096 | (No Data) | Months Reserves | 6.00 | 24.58 |
| 836654 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 836654 | xxxxxx | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 836654 | xxxxxx | Months Reserves | 33.00 | 31.76 |
| 836654 | xxxxxx | Origination Date | xxxxxx | 04/21/2025 |
| 836654 | xxxxxx | Product Type | 30 Yr Fixed | Jumbo 30yr Fixed |
| 836654 | xxxxxx | Total Cash Out | 15486.98 | 0.00 |
| 836654 | xxxxxx | Cash Reserves | 482224.51 | 451272.12 |
| 837237 | (No Data) | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 837297 | xxxxxx | Debt to Income Ratio (Back) | 38.1220 | 43.6240 |
| 837297 | xxxxxx | Total Cash Out | 84973.68 | 81925.19 |
| 837641 | (No Data) | Debt to Income Ratio (Back) | 70.9600 | 0.0000 |
| 837861 | xxxxxx | Combined LTV | 66.32 | 70.00 |
| 837861 | xxxxxx | Ever in Foreclosure | No | Not Applicable |
| 837861 | xxxxxx | Months Reserves | 113.00 | 240.22 |
| 837861 | xxxxxx | Total Cash Out | (422.82) | 0.00 |
| 837861 | xxxxxx | Cash Reserves | 924429.27 | 1356745.54 |
| 838261 | xxxxxx | Combined LTV | 68.57 | 70.00 |
| 838261 | xxxxxx | Ever in Foreclosure | No | Not Applicable |
| 838261 | xxxxxx | Months Reserves | 42.00 | 42.19 |
| 838261 | xxxxxx | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 838261 | xxxxxx | Total Cash Out | 223513.51 | 0.00 |
| 838261 | xxxxxx | Cash Reserves | 394231.00 | 171130.05 |
| 838306 | xxxxxx | Combined LTV | 67.04 | 70.00 |
| 838306 | xxxxxx | Months Reserves | 8.00 | 7.51 |
| 838306 | xxxxxx | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 838306 | xxxxxx | Total Cash Out | 154582.90 | 0.00 |
| 838306 | xxxxxx | Cash Reserves | 186562.72 | 30917.10 |
|©2025 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. |©2025 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. |©2025 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. |©2025 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. |©2025 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 99.31

**EXHIBIT 99.31**

**CLAYTON NON ATR QM UPLOAD**

---

| | |
|:---|:---|
| **Client Name:** | **Verus** |
| **Client Project Name:** | **Verus 2025-10** |
| **Start - End Dates:** | **6/2022 - 8/2025** |
| **Deal Loan Count:** | **142** |
| **Non ATR QM Upload** | **Non ATR QM Upload** |
| *Loans in Report:* | *142* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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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 |
| **Loan Number** | **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** | **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** |
| 772278 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5234 | No | No | 9.825 | (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) | -909.89 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 1000.00 | No | (No Data) | 1.0990 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 772335 | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.3127 | Yes | Yes | 1.588 | 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 | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 23.07 | 22.76 | 23.07 | 22.76 | 22.76 | 22.76 | No | No | (No Data) | 22235.66 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | 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;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 772340 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1195.86 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | Yes | (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 Data) | (No Data) | Yes | 1200.00 | No | (No Data) | 1.0034 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 772344 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB | (No Data) | Yes | Yes | 1 | 9.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1336.81 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | Yes | (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 Data) | (No Data) | Yes | 1600.00 | No | (No Data) | 1.1969 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 772347 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -899.69 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | Yes | (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 Data) | (No Data) | No | (No Data) | Yes | 1275.00 | 1.4171 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 772348 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6131.82 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 4500.00 | No | (No Data) | 0.7338 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 772350 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3592.94 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 5000.00 | No | (No Data) | 1.3916 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 772351 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1504.17 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 1765.00 | No | (No Data) | 1.1734 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 773678 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Mid Rise Condo (5-8) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5282.31 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | Yes | (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 Data) | (No Data) | Yes | 9600.00 | No | (No Data) | 1.8173 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 773689 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.1150 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1093.35 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | Yes | (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 Data) | (No Data) | Yes | 1100.00 | No | (No Data) | 1.0060 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 773692 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8651 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1762.77 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | Yes | (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 Data) | (No Data) | Yes | 2700.00 | No | (No Data) | 1.5317 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 773698 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1300.13 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | Yes | (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 Data) | (No Data) | No | (No Data) | Yes | 1800.00 | 1.3844 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 774320 | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.1044 | Yes | Yes | 4.211 | 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 | 23.75 | 23.75 | 23.75 | 23.75 | 23.75 | 23.75 | No | No | (No Data) | 8129.89 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 774322 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2133.01 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | Yes | (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 Data) | (No Data) | No | (No Data) | Yes | 1600.00 | 0.7501 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 774324 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.3749 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1248.07 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 1250.00 | No | (No Data) | 1.0015 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 775347 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9901 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2524.87 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | Yes | (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 Data) | (No Data) | Yes | 3100.00 | No | (No Data) | 1.2277 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 775442 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9901 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3512.79 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 3600.00 | No | (No Data) | 1.0248 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 775569 | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.8598 | Yes | Yes | 2.892 | 2.892 | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.64 | 41.31 | 39.64 | 41.31 | 41.31 | 41.31 | No | No | (No Data) | 5676.7 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | 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;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 776244 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2565.08 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 2700.00 | No | (No Data) | 1.0525 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 776418 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.7500 | Yes | No | 4.375 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 41.01 | 0 | 41.01 | 41.01 | 41.01 | (No Data) | (No Data) | (No Data) | 9305.39 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | 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 | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 1099 - 12 months;<br> CPA Letter without Income - 1 months;<br> IRS Transcripts – Tax Return(s) - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 776479 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 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 | 7.5000 | No | No | 0 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -9970.27 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 13108.00 | No | (No Data) | 1.3147 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 776946 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9901 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2532.52 | 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 | 2950.00 | No | (No Data) | 1.1648 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 777010 | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.6645 | Yes | Yes | 2.252 | 2.252 | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.53 | 42.93 | 38.53 | 42.93 | 42.93 | 42.93 | Yes | Yes | Yes | 15470.99 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | 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;<br> CPA Letter without Income - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 777045 | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | 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) | Yes | No | 1 | 8.8627 | Yes | Yes | 3.026 | 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 | 24.6 | 24.59 | 24.6 | 24.59 | 24.59 | 24.59 | No | No | (No Data) | 18731.94 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 60 | No | (No Data) | No | (No Data) | 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;<br> CPA Letter without Income - 60 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 777235 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3727.03 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | Yes | (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 Data) | (No Data) | Yes | 5100.00 | No | (No Data) | 1.3684 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 777745 | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.8481 | Yes | Yes | 2.083 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 37.42 | 36.78 | 37.42 | 36.78 | 36.78 | 36.78 | No | No | (No Data) | 18386.35 | 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) | 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) | 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;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 777753 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2480.96 | 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 | 2500.00 | No | (No Data) | 1.0076 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 777880 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | 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 | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2298.94 | 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 | 2100.00 | No | (No Data) | 0.9134 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 778307 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3623.19 | 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 | 4000.00 | No | (No Data) | 1.1039 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 778432 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest on amt prepd if amt prepd is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 3.1 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 47.93 | 0 | 47.93 | 47.93 | 47.93 | (No Data) | (No Data) | (No Data) | 20467.71 | 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) | 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) | 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 | CPA Letter without Income - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 778646 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5979.11 | 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 | 6000.00 | No | (No Data) | 1.0035 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 778906 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.3650 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8455.53 | 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 | 8800.00 | No | (No Data) | 1.0407 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 779029 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5415.08 | 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 | 6850.00 | No | (No Data) | 1.2649 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 779139 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1022.74 | 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 | 1070.00 | No | (No Data) | 1.0462 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 779555 | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | 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) | Yes | No | 1 | 9.1843 | Yes | Yes | 3.395 | 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 | 34.36 | 36.13 | 34.36 | 36.13 | 36.13 | 36.13 | No | No | (No Data) | 4007.24 | 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) | Yes | Tax Preparer | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | P & L - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 780290 | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Yes | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | 2 Family | 2 | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.2968 | Yes | Yes | 1.528 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 34.39 | 34.4 | 34.39 | 34.4 | 34.4 | 34.4 | No | No | (No Data) | 12559.42 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | CPA | 19 | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 60 | No | (No Data) | No | (No Data) | 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;<br> CPA Letter without Income - 60 months;<br> P & L - 19 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 781064 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.9900 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2145.1 | 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 | 2150.00 | No | (No Data) | 1.0022 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 781069 | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | U.S. Citizen | (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 | Yes | 1 | 9.1007 | No | No | 2.64 | 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 | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.44 | 48.25 | 49.44 | 48.25 | 48.25 | 48.25 | No | No | (No Data) | 4915.98 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | 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) | Yes | CPA | 12 | Yes | CPA | 12 | 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 | 48 | No | (No Data) | Yes | 48 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | CPA Letter without Income - 48 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months | CPA Letter without Income - 48 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 781366 | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | Permanent Resident Alien | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 10.4176 | Yes | Yes | 3.65 | 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 | 37.91 | 37.92 | 37.91 | 37.92 | 37.92 | 37.92 | Yes | Yes | Yes | 7804.12 | 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 | 2 | No | (No Data) | No | (No Data) | Yes | 24 | 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) | Yes | FMNA 1005 | 35 | 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) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | W2 - 24 months;<br> Written VOE - 35 months | IRS Transcripts – W2(s) - 36 months;<br> Paystub - 2 months;<br> W2 - 12 months | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 781414 | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 10.6549 | Yes | Yes | 0.185 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 22.06 | 22.78 | 22.06 | 22.78 | 22.77 | 22.77 | No | No | (No Data) | 108745.66 | 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) | Yes | Tax Preparer | 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 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> P & L - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 781430 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3571.45 | 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 | 3200.00 | No | (No Data) | 0.8959 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 781621 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | xxxxxx | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2210.49 | 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) | Yes | 2500.00 | 1.1309 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) |
| 781646 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 10.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1585.55 | 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 | 1700.00 | No | (No Data) | 1.0722 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 781749 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2913.15 | 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 | 2600.00 | No | (No Data) | 0.8925 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 782989 | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Primary | 2 Family | 2 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 9.4191 | Yes | Yes | 3.128 | 3.128 | (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 | 37.45 | 37.46 | 37.46 | 37.46 | 37.46 | 37.46 | No | No | (No Data) | 6090.55 | 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 | Yes | No | (No Data) | No | (No Data) | (No Data) | (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) | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 12 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 782999 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2445.28 | 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) | Yes | 2800.00 | 1.1450 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 783331 | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | (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) | Yes | No | 1 | 8.7097 | Yes | Yes | 3.038 | 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 | 36.45 | 36.45 | 36.45 | 36.45 | 36.45 | 36.45 | No | No | (No Data) | 10507.56 | 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) | Yes | Tax Preparer | 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 | 48 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 48 months;<br> P & L - 12 months | (No Data) | (No Data) | (No Data) | Employment Authorization Document | (No Data) | (No Data) | (No Data) |
| 783604 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2252.5 | 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 | 2850.00 | No | (No Data) | 1.2653 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 783730 | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.0542 | Yes | Yes | 1.676 | 1.676 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 32.35 | 32.26 | 32.26 | 32.26 | 32.26 | 32.26 | No | No | (No Data) | 32155.34 | 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 Data) | (No Data) | (No Data) | (No Data) |
| 783786 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1260.02 | 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 | 1000.00 | No | (No Data) | 0.7936 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 783788 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1245.08 | 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 | Yes | 950.00 | No | (No Data) | 0.7630 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 783846 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | 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) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.5000 | Yes | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 40.77 | 0 | 40.77 | 40.77 | 40.77 | (No Data) | (No Data) | (No Data) | 3535.88 | 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) | 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) | 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;<br> CPA Letter without Income - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 784001 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | xxxxxx | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2165.55 | 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 | 1950.00 | No | (No Data) | 0.9005 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Other | (No Data) | (No Data) | (No Data) |
| 784364 | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | U.S. Citizen | (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 | 8.4579 | Yes | Yes | 2.25 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.43 | 40.9 | 41.43 | 40.9 | 40.9 | 40.9 | No | No | (No Data) | 14657.35 | 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) | Yes | CPA | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | P & L - 12 months | Award Letter - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 784367 | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | (No Data) | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.3560 | Yes | Yes | 3.31 | 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 | 36.37 | 38.18 | 36.37 | 38.18 | 38.18 | 38.18 | No | No | (No Data) | 5973.87 | 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) | Yes | Other | 121 | 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) | Written VOE - 121 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 784474 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 9.7500 | Yes | No | 4.875 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 41.08 | 0 | 41.08 | 41.08 | 41.08 | (No Data) | (No Data) | (No Data) | 17675.96 | 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 | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 48 | No | (No Data) | Yes | 48 | 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;<br> CPA Letter without Income - 48 months | Business Bank Statements - 12 months;<br> CPA Letter without Income - 48 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 784585 | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 9.5273 | Yes | Yes | 3.279 | 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 | 36.46 | 36.46 | 36.46 | 36.46 | 36.46 | 36.46 | No | No | (No Data) | 8798.97 | 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) | Yes | CPA | 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 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 12 months;<br> P & L - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 784640 | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.1962 | No | No | 2.804 | 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 | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 52.8 | 52.8 | 52.8 | 52.8 | 52.8 | 52.8 | Yes | Yes | Yes | 3240.08 | 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) | 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) | Yes | Tax Preparer | 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 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 12 months;<br> P & L - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 784683 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.8161 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3481.07 | 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 | 3400.00 | No | (No Data) | 0.9767 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 785009 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1344.12 | 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 | 1400.00 | No | (No Data) | 1.0416 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 785089 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2347.31 | 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 | 2400.00 | No | (No Data) | 1.0224 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 785090 | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | 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 | No | 1 | 7.1238 | Yes | Yes | 2.962 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 22.41 | 22.41 | 22.4 | 22.41 | 22.41 | 22.41 | No | No | (No Data) | 9581.97 | 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) | Yes | 24 | 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) | 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 | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 24 months | Business Bank Statements - 24 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 785157 | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | 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) | Yes | No | 1 | 10.2326 | Yes | Yes | 4.976 | 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 | 29.97 | 29.97 | 29.97 | 29.97 | 29.97 | 29.97 | No | No | (No Data) | 17986.89 | 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) | Yes | Tax Preparer | 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 | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 36 months;<br> P & L - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 785249 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7017.67 | 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 | 9000.00 | No | (No Data) | 1.2824 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 785325 | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | 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 | Yes | 1 | 9.5706 | No | No | 2.459 | 2.459 | (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 | 48.47 | 48.49 | 48.47 | 48.49 | 48.49 | 48.49 | No | No | (No Data) | 6663.78 | 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) | 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) | 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;<br> CPA Letter without Income - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 785337 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2884.78 | 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 | 3000.00 | No | (No Data) | 1.0399 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 785475 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2391.6 | 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 | Yes | Yes | 2653.00 | No | (No Data) | 1.1093 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 785536 | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 10.4311 | Yes | Yes | 2.497 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.51 | 40.41 | 41.51 | 40.41 | 40.41 | 40.41 | No | No | (No Data) | 33943.22 | 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 | 2 | 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) | 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) | 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) | CPA Letter without Income - 24 months;<br> IRS Transcripts – W2(s) - 12 months;<br> Paystub - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 785660 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7456.36 | 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 | 9350.00 | No | (No Data) | 1.2540 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 785663 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1372.2 | 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) | Yes | 1100.00 | 0.8016 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 785671 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1609.45 | 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 | 1745.00 | No | (No Data) | 1.0842 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 785740 | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.0823 | Yes | Yes | 3.225 | 3.226 | (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 | 38.39 | 38.39 | 38.39 | 38.39 | 38.39 | 38.39 | No | No | (No Data) | 4943.81 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | 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 | FMNA 1005 | 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) | 1099 - 12 months;<br> Paystub - 2 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 785970 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 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 | 8.7500 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 43 | 0 | 43 | 43 | 43 | (No Data) | (No Data) | (No Data) | 3446.43 | 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 | 2 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 786338 | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.9441 | Yes | Yes | 4.998 | 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 | 28.67 | 28.68 | 28.68 | 28.68 | 28.68 | 28.68 | No | No | (No Data) | 77614.94 | 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) | Yes | CPA | 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 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 12 months;<br> P & L - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 786460 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | 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 | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1605.87 | 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 | 1900.00 | No | (No Data) | 1.1832 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 786517 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | xxxxxx | xxxxxx | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.0001 | Yes | No | 3.2 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 29.93 | 0 | 29.93 | 29.93 | 29.93 | (No Data) | (No Data) | (No Data) | 14718.83 | 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) | Yes | FMNA 1005 | 24 | Yes | FMNA 1005 | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | CPA | 12 | Yes | CPA | 12 | 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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 1099 - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> P & L - 12 months;<br> Written VOE - 24 months | 1099 - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> P & L - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Employment Authorization Document | Employment Authorization Document | (No Data) | (No Data) |
| 786967 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 10.1569 | No | No | 10.48 | (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) | -1036.29 | 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) | 1.5440 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 787209 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | 5+ Units | 6 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6521.61 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 | 6592.00 | No | (No Data) | 1.0108 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 790405 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | xxxxxx | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.2923 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4904.51 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (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 | 3700.00 | No | (No Data) | 0.7544 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | Other | Other | Other | (No Data) |
| 790657 | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 9.0200 | Yes | Yes | 3.431 | 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 | 6.43 | 6.69 | 6.43 | 6.69 | 6.69 | 6.69 | No | No | (No Data) | 117108.39 | 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) | Yes | 60 | No | (No Data) | No | (No Data) | 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;<br> CPA Letter without Income - 60 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 790699 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | 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 | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.9208 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2878.74 | 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 | 2900.00 | No | (No Data) | 1.0074 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 790707 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | 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 | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 10.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5820.73 | 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 | 6800.00 | No | (No Data) | 1.1682 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 790812 | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.5827 | Yes | Yes | 3.113 | 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 | 41.13 | 34.79 | 41 | 34.79 | 34.79 | 34.79 | No | No | (No Data) | 30951.66 | 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) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | CPA | 5 | Yes | CPA | 5 | 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 | 96 | No | (No Data) | Yes | 96 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 12 months;<br> CPA Letter without Income - 96 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 5 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | Business Tax Return - 12 months;<br> CPA Letter without Income - 96 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 5 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 790887 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 10.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1314.74 | 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 | 1500.00 | No | (No Data) | 1.1409 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 790891 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4924.13 | 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 | Yes | Yes | 6049.60 | No | (No Data) | 1.2286 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 790978 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (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 | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8232.78 | 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 | 14000.00 | 1.7005 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 791124 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.5000 | Yes | No | 3.4 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 15.9 | 0 | 15.9 | 15.9 | 15.9 | (No Data) | (No Data) | (No Data) | 198050.89 | 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) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 48 | No | (No Data) | 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 | 15 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | Business Bank Statements - 15 months;<br> CPA Letter without Income - 48 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 791128 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | xxxxxx | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1658.94 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (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 | 1500.00 | No | (No Data) | 0.9042 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Other | (No Data) | (No Data) | (No Data) |
| 791133 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.2500 | Yes | No | 3.3 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 17.37 | 0 | 17.37 | 17.37 | 17.37 | (No Data) | (No Data) | (No Data) | 30338.79 | 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 Data) | (No Data) | (No Data) | (No Data) |
| 791195 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1575.4 | 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 | 1700.00 | No | (No Data) | 1.0790 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 791815 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2264.2 | 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 | 2300.00 | No | (No Data) | 1.0158 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 791818 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (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 | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1891.34 | 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 | 1900.00 | 1.0046 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 792128 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.8984 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1801.52 | 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 | 1700.00 | No | (No Data) | 0.9436 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 792387 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2382.02 | 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 | 2400.00 | No | (No Data) | 1.0075 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 792397 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | xxxxxx | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3793.77 | 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 | 2700.00 | No | (No Data) | 0.7117 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 792540 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | xxxxxx | (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 | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.6277 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3790.4 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (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 | 4200.00 | No | (No Data) | 1.1081 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 792896 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1547.71 | 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 | 1400.00 | No | (No Data) | 0.9046 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 792985 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | xxxxxx | (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 | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.9928 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4623.99 | 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 | 6350.00 | No | (No Data) | 1.3733 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | Work Visa | (No Data) | (No Data) | (No Data) |
| 793158 | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 10.3456 | Yes | Yes | 2.727 | 2.727 | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.92 | 40.92 | 40.92 | 40.92 | 40.92 | 40.92 | No | No | (No Data) | 21086.05 | 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) | Yes | CPA | 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 | 48 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 48 months;<br> P & L - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 793491 | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.2738 | No | No | 3.914 | 0.437 | (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 | 44.72 | 44.72 | 44.72 | 44.72 | 44.72 | 44.72 | Yes | Yes | Yes | 3175.62 | 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 Data) | (No Data) | (No Data) | (No Data) |
| 794074 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | Yes | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 10.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7144.99 | 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 | 4500.00 | No | (No Data) | 0.6298 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 794876 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1921.92 | 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 | 1950.00 | No | (No Data) | 1.0146 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 794899 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2583.95 | 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 | 2900.00 | 1.1223 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 795335 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.0001 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3608.12 | 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 | 3000.00 | No | (No Data) | 0.8315 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Green Card | (No Data) | (No Data) | (No Data) |
| 795488 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | xxxxxx | (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 | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.1779 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4736.89 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (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 | 4400.00 | No | (No Data) | 0.9289 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 795550 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (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 | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1545.78 | 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 | 2100.00 | No | (No Data) | 1.3585 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 795556 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | xxxxxx | (No Data) | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5220.99 | 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 | Yes | Yes | 4800.00 | No | (No Data) | 0.9193 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 795560 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -9135.93 | 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) | Yes | 7150.00 | 0.7826 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 795641 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3919.87 | 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 | 5526.00 | No | (No Data) | 1.4097 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 795847 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (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 | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1617.52 | 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 | 1900.00 | No | (No Data) | 1.1746 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 796196 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1540.62 | 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 | 1920.00 | No | (No Data) | 1.2462 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 796499 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2725.32 | 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 | 1970.00 | No | (No Data) | 0.7229 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | Green Card | Green Card | (No Data) | (No Data) |
| 796544 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1770.51 | 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 | 1790.00 | No | (No Data) | 1.0110 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Green Card | (No Data) | (No Data) | (No Data) |
| 798695 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | 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 | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1357.38 | 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 | 2400.00 | No | (No Data) | 1.7681 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 799278 | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.2404 | No | Yes | 3.275 | 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 | 0 | 0 | 0 | 0 | 0 | 0 | No | Yes | Yes | -6840.13 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 799282 | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.3706 | No | No | 3.338 | 0.250 | (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 | 45.85 | 45.85 | 45.85 | 45.85 | 45.85 | 45.85 | Yes | Yes | Yes | 12325.21 | 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 Data) | (No Data) | (No Data) | (No Data) |
| 799287 | xxxxxx | xxxxxx | xxxxxx | QM: Rebuttable Presumption (APOR) | No | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | (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 | 9.0877 | Yes | Yes | 2.23 | 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 | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 19.69 | 19.7 | 19.69 | 19.7 | 19.7 | 19.7 | No | Yes | Yes | 9142.82 | 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 | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 14 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 799288 | xxxxxx | xxxxxx | xxxxxx | QM: Rebuttable Presumption (APOR) | No | Present | QM: Safe Harbor (APOR) | xxxxxx | xxxxxx | (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 | 8.9889 | Yes | Yes | 0 | 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 | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.08 | 32.24 | 32.08 | 32.24 | 32.24 | 32.24 | No | Yes | Yes | 37178.56 | 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 Data) | (No Data) | (No Data) | (No Data) |
| 799335 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.8740 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2392.99 | 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 | 1800.00 | No | (No Data) | 0.7521 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 799343 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.4999 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1692 | 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 | 1850.00 | No | (No Data) | 1.0933 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 799353 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2942.71 | 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 | 2350.00 | No | (No Data) | 0.7985 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 799364 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.2490 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1730.86 | 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 | 1750.00 | No | (No Data) | 1.0110 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 799393 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1737.1 | 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 | 1550.00 | No | (No Data) | 0.8923 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 799511 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.2132 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2846.08 | 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) | Yes | 2950.00 | 1.0365 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 799513 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | xxxxxx | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.8728 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1917.5 | 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 | 2100.00 | No | (No Data) | 1.0952 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | Employment Authorization Document | (No Data) | (No Data) | (No Data) |
| 799590 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | xxxxxx | (No Data) | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -9469.32 | 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 | 9500.00 | No | (No Data) | 1.0032 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 799847 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | xxxxxx | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5241.03 | 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 | Yes | Yes | 7426.66 | No | (No Data) | 1.4170 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | Work Visa | (No Data) | (No Data) | (No Data) |
| 803855 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1134.27 | 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 | 1650.00 | 1.4547 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 803861 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1745.82 | 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) | Yes | 900.00 | 0.5155 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 803972 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1166.01 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (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 | 1275.00 | 1.0935 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 803977 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | 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 | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.5386 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6030.5 | 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 | 6400.00 | No | (No Data) | 1.0613 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 804096 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2696.5 | 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 | 2700.00 | No | (No Data) | 1.0013 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 808921 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5973.94 | 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 | 4500.00 | No | (No Data) | 0.7533 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 809138 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | 5+ Units | 10+ | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 9.8750 | No | No | 4 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -16941.55 | 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 | 18333.33 | 1.0821 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 836654 | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8417 | Yes | Yes | 0.857 | 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 | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.77 | 37.84 | 38.77 | 37.84 | 37.84 | 37.84 | No | No | (No Data) | 24664.94 | Yes | 60 | No | 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) | Yes | 12 | Yes | 12 | 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;<br> CPA Letter - 216 months;<br> Personal Bank Statements - 12 months | Business Bank Statements - 12 months;<br> CPA Letter - 216 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 837237 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | Permanent Resident Alien | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 4%, 4%, 4% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 4 | (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) | -74378.13 | 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) | Yes | No | No | (No Data) | Yes | 1900.00 | 0.7947 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Employment Authorization Document | (No Data) | (No Data) | (No Data) |
| 837297 | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.7897 | No | Yes | 2.577 | 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 | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.12 | 43.62 | 38.12 | 43.62 | 43.62 | 43.62 | No | Yes | Yes | 15503.73 | 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) | Yes | CPA | 15 | 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) | CPA Letter - 24 months;<br> P & L - 15 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 837641 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 4%, 4%, 4% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 8.0001 | No | No | 4 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5096.15 | 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) | Yes | No | No | (No Data) | Yes | 1975.00 | 0.7794 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 837861 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | xxxxxx | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5648.02 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (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 | Yes | Yes | 9600.00 | No | (No Data) | 1.6997 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 838261 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | xxxxxx | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4056.31 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (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 | 4250.00 | No | (No Data) | 1.0478 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | (No Data) | (No Data) | (No Data) |
| 838306 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | xxxxxx | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4116.13 | 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 | 4200.00 | No | (No Data) | 1.0204 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842101 | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | 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 | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.8501 | Yes | Yes | 0.961 | 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 | Yes | Yes | Not Applicable | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.41 | 42.87 | 30.31 | 42.87 | 42.87 | 42.87 | Yes | Yes | Yes | 29995.67 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 Data) | (No Data) | (No Data) | (No Data) |
|©2025 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. |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

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## Exhibit 99.32

**EXHIBIT 99.32**

**CLAYTON RATING AGENCY GRADES REPORT**

---

| | |
|:---|:---|
| **Client Name:** | **Verus** |
| **Client Project Name:** | **Verus 2025-10** |
| **Start - End Dates:** | **6/2022 - 8/2025** |
| **Deal Loan Count:** | **142** |
| **Rating Agency Grades** | **Rating Agency Grades** |
| ***Loans in Report:*** | *142* |

---

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **Morningstar/DBRS Initial Securitization Loan Compliance Grade** | **Morningstar/DBRS Final Securitization Loan Compliance Grade** | **Initial Fitch Loan Compliance Grade** | **Final Fitch Loan Compliance Grade** | **Initial Moodys Loan Compliance Grade** | **Final Moodys Loan Compliance Grade** | **Initial KBRA Loan Compliance Grade** | **Final KBRA Loan Compliance Grade** | **Initial S&P Loan Compliance Grade** | **Final S&P Loan Compliance Grade** |
| 772278 | No | xxxxxx | xxxxxx D A | A | A D | A | A D | A | A D | A | A D | A | A |
| 772335 | Yes | xxxxxx | xxxxxx C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B |
| 772340 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A |
| 772344 | No | xxxxxx | Not Applicable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 772347 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 772348 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 772350 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 772351 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 773678 | No | xxxxxx | Not Applicable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 773689 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A |
| 773692 | No | xxxxxx | xxxxxx C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C B | N/A | N/A |
| 773698 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 774320 | Yes | xxxxxx | xxxxxx D A | D | A D | D | A D | D | A D | D | A D | D | A |
| 774322 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 774324 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 775347 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 775442 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 775569 | Yes | xxxxxx | xxxxxx D A | A | A D | A | A D | A | A D | A | A D | A | A |
| 776244 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 776418 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 776479 | No | xxxxxx | Not Applicable | A | A | A | A | A | A | A | A | A | A |
| 776946 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 777010 | Yes | xxxxxx | xxxxxx B A | A | A B | A | A B | A | A B | A | A B | A | A |
| 777045 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 777235 | No | xxxxxx | Not Applicable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 777745 | Yes | xxxxxx | xxxxxx C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B |
| 777753 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 777880 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 778307 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 778432 | No | xxxxxx | Not Applicable | A | A | A | A | A | A | A | A | A | A |
| 778646 | No | xxxxxx | xxxxxx B A | A | A B | A | A B | A | A B | A | A B | A | A |
| 778906 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 779029 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 779139 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 779555 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 780290 | Yes | xxxxxx | xxxxxx D B A | C | B D A | C | B D A | C | B D A | C | B D A | C | B |
| 781064 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 781069 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 781366 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 781414 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 781430 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 781621 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 781646 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 781749 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 782989 | Yes | xxxxxx | xxxxxx D A | A | A D | A | A D | A | A D | A | A D | A | A |
| 782999 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 783331 | Yes | xxxxxx | xxxxxx D A | A | A D | A | A D | A | A D | A | A D | A | A |
| 783604 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 783730 | Yes | xxxxxx | xxxxxx D A | A | A D | A | A D | A | A D | A | A D | A | A |
| 783786 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 783788 | No | xxxxxx | Not Applicable D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A |
| 783846 | No | xxxxxx | xxxxxx D A | A | A D | A | A D | A | A D | A | A D | A | A |
| 784001 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 784364 | Yes | xxxxxx | xxxxxx B A | A | A B | A | A B | A | A B | A | A B | A | A |
| 784367 | Yes | xxxxxx | xxxxxx C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B |
| 784474 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 784585 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 784640 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 784683 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 785009 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 785089 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 785090 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 785157 | Yes | xxxxxx | xxxxxx D B A | D | A D B | D | A D B | D | A D B | D | A D B | D | A |
| 785249 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 785325 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 785337 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 785475 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 785536 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 785660 | No | xxxxxx | xxxxxx B A | A | A B | A | A B | A | A B | A | A B | A | A |
| 785663 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 785671 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 785740 | Yes | xxxxxx | xxxxxx C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B |
| 785970 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 786338 | Yes | xxxxxx | xxxxxx B A | A | A B | A | A B | A | A B | A | A B | A | A |
| 786460 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 786517 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 786967 | No | xxxxxx | Not Applicable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 787209 | No | xxxxxx | xxxxxx B A | A | A B | A | A B | A | A B | A | A B | A | A |
| 790405 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 790657 | Yes | xxxxxx | xxxxxx C A | C | A C | C | A C | C | A C | C | A C | C | A |
| 790699 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 790707 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 790812 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 790887 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 790891 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 790978 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 791124 | No | xxxxxx | xxxxxx B A | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A |
| 791128 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 791133 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 791195 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 791815 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 791818 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 792128 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 792387 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 792397 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 792540 | No | xxxxxx | Not Applicable B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A |
| 792896 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 792985 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 793158 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 793491 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 794074 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 794876 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 794899 | No | xxxxxx | xxxxxx B A | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A |
| 795335 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 795488 | No | xxxxxx | Not Applicable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 795550 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 795556 | No | xxxxxx | xxxxxx B A | A | A B | A | A B | A | A B | A | A B | A | A |
| 795560 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 795641 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 795847 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A |
| 796196 | No | xxxxxx | Not Applicable | A | A | A | A | A | A | A | A | A | A |
| 796499 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 796544 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 798695 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 799278 | Yes | xxxxxx | xxxxxx C A | C | A C | C | A C | C | A C | C | A C | C | A |
| 799282 | Yes | xxxxxx | xxxxxx D B A | A | A D B | A | A D B | A | A D B | A | A D B | A | A |
| 799287 | Yes | xxxxxx | xxxxxx D A | A | A D | A | A D | A | A D | A | A D | A | A |
| 799288 | Yes | xxxxxx | xxxxxx D B A | D | A D B | D | A D B | D | A D B | D | A D B | D | A |
| 799335 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 799343 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 799353 | No | xxxxxx | xxxxxx D A | A | A D | A | A D | A | A D | A | A D | A | A |
| 799364 | No | xxxxxx | xxxxxx D A | A | A D | A | A D | A | A D | A | A D | A | A |
| 799393 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 799511 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 799513 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 799590 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 799847 | No | xxxxxx | xxxxxx C B A | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A |
| 803855 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 803861 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 803972 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 803977 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 804096 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 808921 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 809138 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 836654 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 837237 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 837297 | Yes | xxxxxx | xxxxxx C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B |
| 837641 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 837861 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 838261 | No | xxxxxx | xxxxxx D A C | A | A D C | A | A D C | A | A D C | A | A D C | A | A |
| 838306 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 842101 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.33

**EXHIBIT 99.33**

**CLAYTON VALUATIONS SUMMARY**

---

| | |
|:---|:---|
| **Client Name:** | Verus |
| **Client Project Name:** | Verus 2025-10 |
| **Start - End Dates:** | 6/2022 - 8/2025 |
| **Deal Loan Count:** | 142 |
| **Valuations Summary** | **Valuations Summary** |
| *Loans in Report:* | *142* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | | |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Infomation** |
| **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** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **Confidence Score** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Valuation Source** | **Report Date** | **Report Value** | **Variance Amount** | **Variance (%)** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Valuation Source** | **Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **CU Score** |
| 772278 | xxxxxx | xxxxxx | xxxxxx | 05/18/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 06/11/2022 | xxxxxx | $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% | 2 |
| 772335 | xxxxxx | $0.00 | xxxxxx | 05/23/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $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 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 772340 | xxxxxx | xxxxxx | xxxxxx | 05/27/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 06/02/2022 | xxxxxx | $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) |
| 772344 | xxxxxx | $0.00 | xxxxxx | 05/23/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 06/30/2022 | xxxxxx | $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) |
| 772347 | xxxxxx | $0.00 | xxxxxx | 03/25/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $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 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 772348 | xxxxxx | xxxxxx | xxxxxx | 05/19/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $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 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 772350 | xxxxxx | $0.00 | xxxxxx | 04/12/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 06/06/2022 | xxxxxx | $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% | 2.6 |
| 772351 | xxxxxx | $0.00 | xxxxxx | 04/29/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 05/31/2022 | xxxxxx | $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% | 2.6 |
| 773678 | xxxxxx | xxxxxx | xxxxxx | 06/08/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $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 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 773689 | xxxxxx | xxxxxx | xxxxxx | 05/31/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $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 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 773692 | xxxxxx | $0.00 | xxxxxx | 06/20/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 06/28/2022 | xxxxxx | xxxxxx | -17.89% |  |  | $0.00 | $0.00 | 0.00% | xxxxxx | 08/25/2022 | xxxxxx | $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) |
| 773698 | xxxxxx | $0.00 | xxxxxx | 06/11/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $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 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 774320 | xxxxxx | $0.00 | xxxxxx | 06/20/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 07/01/2022 | xxxxxx | $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% | 1 |
| 774322 | xxxxxx | $0.00 | xxxxxx | 04/20/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 06/27/2022 | xxxxxx | $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) |
| 774324 | xxxxxx | xxxxxx | xxxxxx | 05/24/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 07/01/2022 | xxxxxx | $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% | 1 |
| 775347 | xxxxxx | $0.00 | xxxxxx | 07/12/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 07/26/2022 | xxxxxx | $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% | 2.6 |
| 775442 | xxxxxx | xxxxxx | xxxxxx | 07/12/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $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 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| 775569 | xxxxxx | xxxxxx | xxxxxx | 07/01/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 07/13/2022 | xxxxxx | $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% | 2.6 |
| 776244 | xxxxxx | xxxxxx | xxxxxx | 07/11/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 08/10/2022 | xxxxxx | xxxxxx | -8.31% |  |  | $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) |
| 776418 | xxxxxx | xxxxxx | xxxxxx | 08/03/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 08/13/2022 | xxxxxx | $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) |
| 776479 | xxxxxx | xxxxxx | xxxxxx | 07/18/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $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 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 776946 | xxxxxx | $0.00 | xxxxxx | 08/09/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 08/16/2022 | xxxxxx | xxxxxx | -8.73% |  |  | $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% | 3.8 |
| 777010 | xxxxxx | $0.00 | xxxxxx | 06/22/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 07/01/2022 | xxxxxx | $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% | 3.2 |
| 777045 | xxxxxx | xxxxxx | xxxxxx | 08/13/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $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 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 777235 | xxxxxx | $0.00 | xxxxxx | 07/18/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 08/08/2022 | xxxxxx | $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% | 3.2 |
| 777745 | xxxxxx | $0.00 | xxxxxx | 07/27/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 08/04/2022 | xxxxxx | $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% | 1 |
| 777753 | xxxxxx | xxxxxx | xxxxxx | 08/19/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 08/30/2022 | xxxxxx | $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% | 4.2 |
| 777880 | xxxxxx | xxxxxx | xxxxxx | 08/24/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/01/2022 | xxxxxx | $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% | 2.8 |
| 778307 | xxxxxx | xxxxxx | xxxxxx | 08/23/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/01/2022 | xxxxxx | $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) |
| 778432 | xxxxxx | $0.00 | xxxxxx | 08/09/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/15/2022 | xxxxxx | $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% | 4.8 |
| 778646 | xxxxxx | xxxxxx | xxxxxx | 09/03/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/13/2022 | xxxxxx | xxxxxx | -5.56% |  |  | $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) |
| 778906 | xxxxxx | $0.00 | xxxxxx | 08/29/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/13/2022 | xxxxxx | xxxxxx | -8.28% |  |  | $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) |
| 779029 | xxxxxx | $0.00 | xxxxxx | 08/02/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 08/31/2022 | xxxxxx | $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) |
| 779139 | xxxxxx | xxxxxx | xxxxxx | 09/21/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 10/14/2022 | xxxxxx | $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% | 1.5 |
| 779555 | xxxxxx | xxxxxx | xxxxxx | 09/21/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $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 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 780290 | xxxxxx | $0.00 | xxxxxx | 08/13/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 08/18/2022 | xxxxxx | $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) |
| 781064 | xxxxxx | xxxxxx | xxxxxx | 09/29/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $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 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 781069 | xxxxxx | xxxxxx | xxxxxx | 10/11/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $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 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 781366 | xxxxxx | xxxxxx | xxxxxx | 11/07/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $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 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 781414 | xxxxxx | $0.00 | xxxxxx | 10/27/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 11/15/2022 | xxxxxx | $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% | 2.8 |
| 781430 | xxxxxx | $0.00 | xxxxxx | 11/04/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 11/14/2022 | xxxxxx | $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% | 2.6 |
| 781621 | xxxxxx | $0.00 | xxxxxx | 10/24/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 12/05/2022 | xxxxxx | $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% | 2.7 |
| 781646 | xxxxxx | xxxxxx | xxxxxx | 10/24/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 11/17/2022 | xxxxxx | $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) |
| 781749 | xxxxxx | xxxxxx | xxxxxx | 11/07/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 11/17/2022 | xxxxxx | $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) |
| 782989 | xxxxxx | xxxxxx | xxxxxx | 12/08/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 12/15/2022 | xxxxxx | $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) |
| 782999 | xxxxxx | xxxxxx | xxxxxx | 12/28/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 01/05/2023 | xxxxxx | $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) |
| 783331 | xxxxxx | xxxxxx | xxxxxx | 12/07/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 01/09/2023 | xxxxxx | $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% | 1.2 |
| 783604 | xxxxxx | $0.00 | xxxxxx | 12/07/2022 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 01/26/2023 | xxxxxx | $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) |
| 783730 | xxxxxx | xxxxxx | xxxxxx | 12/02/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $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 | 0.00% | xxxxxx | 12/14/2022 | xxxxxx | xxxxxx | 4.33% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 783786 | xxxxxx | $0.00 | xxxxxx | 09/23/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/29/2022 | xxxxxx | $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% | xxxxxx | 09/29/2022 | xxxxxx | xxxxxx | -20.05% | xxxxxx | Reconciliation | 10/06/2022 | xxxxxx | $0.00 | 0.00% | 3.9 |
| 783788 | xxxxxx | $0.00 | xxxxxx | 09/13/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/26/2022 | xxxxxx | $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% | xxxxxx | 10/01/2022 | xxxxxx | xxxxxx | -56.78% | xxxxxx | Reconciliation | 10/06/2022 | xxxxxx | $0.00 | 0.00% | 3.8 |
| 783846 | xxxxxx | xxxxxx | xxxxxx | 11/28/2022 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 12/12/2022 | xxxxxx | $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% | 999 |
| 784001 | xxxxxx | xxxxxx | xxxxxx | 12/08/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 01/12/2023 | xxxxxx | $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% | 1 |
| 784364 | xxxxxx | xxxxxx | xxxxxx | 01/20/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $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 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 784367 | xxxxxx | xxxxxx | xxxxxx | 01/27/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 02/07/2023 | xxxxxx | $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% | 4 |
| 784474 | xxxxxx | $0.00 | xxxxxx | 01/30/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 02/01/2023 | xxxxxx | $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% | 4.8 |
| 784585 | xxxxxx | $0.00 | xxxxxx | 01/20/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $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 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 784640 | xxxxxx | xxxxxx | xxxxxx | 01/31/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $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 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 784683 | xxxxxx | $0.00 | xxxxxx | 03/06/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $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 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| 785009 | xxxxxx | xxxxxx | xxxxxx | 01/05/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 02/10/2023 | xxxxxx | $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% | 2.7 |
| 785089 | xxxxxx | xxxxxx | xxxxxx | 01/24/2023 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $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 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 785090 | xxxxxx | xxxxxx | xxxxxx | 02/06/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 02/10/2023 | xxxxxx | $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% | 3.3 |
| 785157 | xxxxxx | xxxxxx | xxxxxx | 01/28/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 02/16/2023 | xxxxxx | $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% | 1 |
| 785249 | xxxxxx | xxxxxx | xxxxxx | 02/16/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $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 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 785325 | xxxxxx | xxxxxx | xxxxxx | 02/13/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $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 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 785337 | xxxxxx | $0.00 | xxxxxx | 10/21/2022 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $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 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 785475 | xxxxxx | xxxxxx | xxxxxx | 02/01/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 02/16/2023 | xxxxxx | $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% | 1.7 |
| 785536 | xxxxxx | xxxxxx | xxxxxx | 02/03/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/03/2023 | xxxxxx | $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% | 3.4 |
| 785660 | xxxxxx | $0.00 | xxxxxx | 02/21/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/02/2023 | xxxxxx | $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% | 3 |
| 785663 | xxxxxx | $0.00 | xxxxxx | 02/05/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/21/2023 | xxxxxx | $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% | 2.2 |
| 785671 | xxxxxx | $0.00 | xxxxxx | 02/01/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 02/24/2023 | xxxxxx | $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% | 3.3 |
| 785740 | xxxxxx | $0.00 | xxxxxx | 03/05/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $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 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 785970 | xxxxxx | xxxxxx | xxxxxx | 02/13/2023 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/12/2023 | xxxxxx | $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% | 1 |
| 786338 | xxxxxx | xxxxxx | xxxxxx | 03/07/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  | 02/25/2023 | xxxxxx | $0.00 | 0.00% | Full Appraisal |  |  | $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 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 786460 | xxxxxx | xxxxxx | xxxxxx | 02/09/2023 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/02/2023 | xxxxxx | $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% | 1.5 |
| 786517 | xxxxxx | xxxxxx | xxxxxx | 03/08/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $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 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 786967 | xxxxxx | $0.00 | xxxxxx | 03/22/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $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 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 787209 | xxxxxx | $0.00 | xxxxxx | 04/28/2023 | xxxxxx | Other |  |  |  | $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 | 0.00% | xxxxxx | 02/27/2023 | xxxxxx | xxxxxx | -0.95% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 790405 | xxxxxx | xxxxxx | xxxxxx | 05/17/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $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 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 790657 | xxxxxx | xxxxxx | xxxxxx | 04/24/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 06/06/2023 | xxxxxx | $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% | 1 |
| 790699 | xxxxxx | xxxxxx | xxxxxx | 05/22/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $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 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 790707 | xxxxxx | xxxxxx | xxxxxx | 05/16/2023 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 06/01/2023 | xxxxxx | $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) |
| 790812 | xxxxxx | xxxxxx | xxxxxx | 05/26/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 07/03/2023 | xxxxxx | $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% | 1.3 |
| 790887 | xxxxxx | xxxxxx | xxxxxx | 05/12/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 06/01/2023 | xxxxxx | $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% | 1 |
| 790891 | xxxxxx | xxxxxx | xxxxxx | 06/09/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 06/19/2023 | xxxxxx | $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% | 2.5 |
| 790978 | xxxxxx | $0.00 | xxxxxx | 04/14/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 06/05/2023 | xxxxxx | xxxxxx | -9.52% |  |  | $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% | 5 |
| 791124 | xxxxxx | xxxxxx | xxxxxx | 04/24/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 06/16/2023 | xxxxxx | $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% | 5 |
| 791128 | xxxxxx | xxxxxx | xxxxxx | 05/31/2023 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 06/12/2023 | xxxxxx | $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% | 1.2 |
| 791133 | xxxxxx | xxxxxx | xxxxxx | 05/18/2023 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 06/12/2023 | xxxxxx | $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% | 1 |
| 791195 | xxxxxx | $0.00 | xxxxxx | 05/19/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 06/14/2023 | xxxxxx | $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% | 2.2 |
| 791815 | xxxxxx | xxxxxx | xxxxxx | 03/20/2023 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 04/05/2023 | xxxxxx | $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) |
| 791818 | xxxxxx | $0.00 | xxxxxx | 06/16/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 06/22/2023 | xxxxxx | $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% | 1 |
| 792128 | xxxxxx | xxxxxx | xxxxxx | 05/03/2023 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $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 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 792387 | xxxxxx | xxxxxx | xxxxxx | 06/27/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $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 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 792397 | xxxxxx | xxxxxx | xxxxxx | 06/23/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 06/30/2023 | xxxxxx | $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% | 2.6 |
| 792540 | xxxxxx | xxxxxx | xxxxxx | 06/22/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 07/05/2023 | xxxxxx | $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) |
| 792896 | xxxxxx | $0.00 | xxxxxx | 06/09/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 07/11/2023 | xxxxxx | xxxxxx | -6.82% |  |  | $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% | 3.2 |
| 792985 | xxxxxx | xxxxxx | xxxxxx | 06/17/2023 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | xxxxxx | 07/18/2023 | xxxxxx | xxxxxx | -4.61% |  |  | $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) |
| 793158 | xxxxxx | $0.00 | xxxxxx | 07/18/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 07/26/2023 | xxxxxx | $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% | 3.9 |
| 793491 | xxxxxx | xxxxxx | xxxxxx | 07/12/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 07/24/2023 | xxxxxx | $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% | 1 |
| 794074 | xxxxxx | $0.00 | xxxxxx | 06/30/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 08/09/2023 | xxxxxx | $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% | 1 |
| 794876 | xxxxxx | xxxxxx | xxxxxx | 07/17/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $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 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 794899 | xxxxxx | $0.00 | xxxxxx | 07/25/2023 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 08/11/2023 | xxxxxx | $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) |
| 795335 | xxxxxx | xxxxxx | xxxxxx | 07/24/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $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 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 795488 | xxxxxx | xxxxxx | xxxxxx | 07/26/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 08/08/2023 | xxxxxx | $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% | 3.7 |
| 795550 | xxxxxx | $0.00 | xxxxxx | 08/14/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 08/17/2023 | xxxxxx | $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) |
| 795556 | xxxxxx | xxxxxx | xxxxxx | 04/18/2023 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/11/2023 | xxxxxx | $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% | 1 |
| 795560 | xxxxxx | $0.00 | xxxxxx | 08/15/2023 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/05/2023 | xxxxxx | $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) |
| 795641 | xxxxxx | $0.00 | xxxxxx | 07/28/2023 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/13/2023 | xxxxxx | $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) |
| 795847 | xxxxxx | $0.00 | xxxxxx | 07/31/2023 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 08/11/2023 | xxxxxx | $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% | 1.5 |
| 796196 | xxxxxx | xxxxxx | xxxxxx | 08/01/2023 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 08/24/2023 | xxxxxx | $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) |
| 796499 | xxxxxx | xxxxxx | xxxxxx | 08/21/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $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 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 796544 | xxxxxx | xxxxxx | xxxxxx | 09/05/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $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 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 798695 | xxxxxx | xxxxxx | xxxxxx | 08/14/2023 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/29/2023 | xxxxxx | $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) |
| 799278 | xxxxxx | xxxxxx | xxxxxx | 08/29/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $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 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 799282 | xxxxxx | $0.00 | xxxxxx | 08/31/2023 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/18/2023 | xxxxxx | $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% | 2.7 |
| 799287 | xxxxxx | xxxxxx | xxxxxx | 09/06/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $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 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 799288 | xxxxxx | xxxxxx | xxxxxx | 09/06/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $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 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | Other | 1073 Condo (Jun 93) | 09/12/2023 | xxxxxx | $0.00 | 0.00% | 1 |
| 799335 | xxxxxx | $0.00 | xxxxxx | 09/06/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $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 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 799343 | xxxxxx | $0.00 | xxxxxx | 09/07/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/26/2023 | xxxxxx | $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% | 3.6 |
| 799353 | xxxxxx | $0.00 | xxxxxx | 09/13/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/22/2023 | xxxxxx | $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% | 2.6 |
| 799364 | xxxxxx | xxxxxx | xxxxxx | 09/24/2023 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $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 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 799393 | xxxxxx | xxxxxx | xxxxxx | 09/26/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $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 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 799511 | xxxxxx | $0.00 | xxxxxx | 10/02/2023 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 10/17/2023 | xxxxxx | $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) |
| 799513 | xxxxxx | xxxxxx | xxxxxx | 08/09/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 10/13/2023 | xxxxxx | $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% | 1 |
| 799590 | xxxxxx | $0.00 | xxxxxx | 10/03/2023 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 10/10/2023 | xxxxxx | $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% | 1.2 |
| 799847 | xxxxxx | xxxxxx | xxxxxx | 07/28/2023 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 08/25/2023 | xxxxxx | $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) |
| 803855 | xxxxxx | $0.00 | xxxxxx | 10/26/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 11/28/2023 | xxxxxx | $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% | 2.5 |
| 803861 | xxxxxx | $0.00 | xxxxxx | 11/13/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 12/11/2023 | xxxxxx | $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% | 2.4 |
| 803972 | xxxxxx | $0.00 | xxxxxx | 10/09/2023 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 11/30/2023 | xxxxxx | $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) |
| 803977 | xxxxxx | xxxxxx | xxxxxx | 11/19/2023 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 12/04/2023 | xxxxxx | $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) |
| 804096 | xxxxxx | $0.00 | xxxxxx | 12/13/2023 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 12/19/2023 | xxxxxx | $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% | 1 |
| 808921 | xxxxxx | $0.00 | xxxxxx | 01/11/2024 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 02/27/2024 | xxxxxx | xxxxxx | -7.53% |  |  | $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% | 1 |
| 809138 | xxxxxx | $0.00 | xxxxxx | 03/03/2024 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $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 | 0.00% | xxxxxx | 03/17/2024 | xxxxxx | xxxxxx | -10.42% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 836654 | xxxxxx | $0.00 | xxxxxx | 04/04/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 04/09/2025 | xxxxxx | $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% | 4.5 |
| 837237 | xxxxxx | $0.00 | xxxxxx | 04/13/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $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 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 837297 | xxxxxx | $0.00 | xxxxxx | 04/14/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | xxxxxx | 04/21/2025 | xxxxxx | xxxxxx | -3.46% | xxxxxx | 96 |  |  | $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 | 0.00% | (No Data) |
| 837641 | xxxxxx | $0.00 | xxxxxx | 04/15/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $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 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 837861 | xxxxxx | xxxxxx | xxxxxx | 03/29/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | xxxxxx | 05/05/2025 | xxxxxx | xxxxxx | -6.44% | xxxxxx | 95 |  |  | $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 | 0.00% | 1.5 |
| 838261 | xxxxxx | xxxxxx | xxxxxx | 04/26/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 05/01/2025 | xxxxxx | $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% | 1 |
| 838306 | xxxxxx | xxxxxx | xxxxxx | 04/23/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 05/14/2025 | xxxxxx | $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% | 1 |
| 842101 | xxxxxx | xxxxxx | xxxxxx | 06/26/2025 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 07/03/2025 | xxxxxx | $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) |
|©2025 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. |©2025 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. |©2025 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. |©2025 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. |©2025 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. |©2025 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. |©2025 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 99.34

**EXHIBIT 99.34**

**EVOLVE MORTGAGE SERVICES, LLC ("EVOLVE") EXECUTIVE SUMMARY**

![](tm2529005d1_ex99-34img001.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.** <br>

Executive Summary

Verus 2025-10

Dated: October 23, 2025

**290 S Preston Road \| Suite 370 \| Prosper, TX 75078**<br>**P: 888.892.1843 \|** **evolvemortgageservices.com**<br>

![](tm2529005d1_ex99-34img002.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.** <br>

------

**EXECUTIVE SUMMARY**

**Overview** 

Evolve Mortgage Services, LLC ("Evolve") performed certain due diligence services (the "Review") described below on loans backed by residential properties (the "Loans") originated by a lender and subsequently purchased by VMC Asset Pooler, LLC ("Client"). The Review was conducted via imaged files provided by the lender or its designee for review. The Review results were conveyed to the Client by a Reliance Letter.

**Sample size of the assets reviewed.** 

The final population of the Review covered 33 loans, consisting of 15 Residential Loans and 18 Business Purpose loans, totaling an aggregate original principal balance of approximately $17,381,790.00 Evolve is not aware of the overall securitization population as other third-party review ("TPR") firms may have reviewed loans within the overall securitization loan population.

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

The Review was conducted consistent with the criteria for S&P Global Ratings, the nationally recognized statistical rating organization ("NRSRO") identified in Item 3 of the ABS Due Diligence-15E.

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

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

---

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

---

---

| | | |
|:---|:---|:---|
| ![](tm2529005d1_ex99-34img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 1 \| P a g e |

---

![](tm2529005d1_ex99-34img002.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.** <br>

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Additional information about the data integrity review is included below.

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

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

**Credit Application:** For the Credit Application, Evolve 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:** Evolve'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, Evolve: (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 ("DTI") ratio as appropriate, and (iv) gathered data required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

**Employment and Income:** Evolve 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, was not fraudulent. This documentation was used to verify whether the income used to qualify the mortgage loan was calculated in accordance with the guidelines and may have included items such as: (i) verbal or written verification of employment, (ii) pay stubs, (iii) W-2 forms, (iv) tax returns, (v) financial statements, (vi) IRS tax transcripts, and (vii) bank statements.

**Debt Service Coverage ratio (DSCR):** Evolve calculated and determined DSCR as required by guidelines.

**Asset Review:** Evolve 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, Evolve 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).

---

| | | |
|:---|:---|:---|
| ![](tm2529005d1_ex99-34img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 2 \| P a g e |

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![](tm2529005d1_ex99-34img002.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.** <br>

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**Hazard/Flood Insurance/Taxes:** A review of the insurance present on the mortgage loan was also performed by Evolve. During the course of this review, Evolve (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, (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, Evolve verified that DU findings included an approved/eligible decision where required by the guidelines. However, all mortgage loans are manually underwritten with documentation requirements determined by the guidelines and not AUS findings.

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

---

| | | |
|:---|:---|:---|
| ![](tm2529005d1_ex99-34img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 3 \| P a g e |

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![](tm2529005d1_ex99-34img002.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.** <br>

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If a report was present, Evolve 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, Evolve 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:** Evolve'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:** Evolve 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.

Additionally, Evolve 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) DTI ratios and/or loan-to-value ratios ("LTV(s)") were used in the assessment of conformity guidelines.

**Regulatory Compliance:** Evolve conducted a review to determine whether the loan met certain federal, state and local regulatory requirements at the time of origination when applicable. All applicable tests and disclosure reviews were graded in accordance with the Structured Finance Association ("SFA") published RMBS 3.0 TRID Compliance Review Scope. The Regulatory Compliance Review conducted is fully detailed in Appendix A.

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| | | |
|:---|:---|:---|
| ![](tm2529005d1_ex99-34img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 4 \| P a g e |

---

![](tm2529005d1_ex99-34img002.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.** <br>

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

Evolve'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. Evolve's review included verifying the appraisal report was (i) on the appropriate GSE form (for the Residential Loans), (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser (for residential properties) that was actively licensed to perform the valuation, (v) completed, for residential properties, 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 and (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, Evolve's review (i) analyzed the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and considered whether 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 Evolve'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 Evolve or if it was not directly accessible that another valuation product that was directly accessible to Evolve was ordered in accordance with the Client's specific valuation waterfall process. If more than one valuation was provided, Evolve confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, Evolve created an exception.

---

| | | |
|:---|:---|:---|
| ![](tm2529005d1_ex99-34img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 5 \| P a g e |

---

![](tm2529005d1_ex99-34img002.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.** <br>

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**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

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

**Compliance Results Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;15 | &nbsp;&nbsp;45.45% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;18 | &nbsp;&nbsp;54.55% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**33** | &nbsp;&nbsp;**100.00%** |

---

**Credit Results Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;14 | &nbsp;&nbsp;42.42% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;19 | &nbsp;&nbsp;57.58% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**33** | &nbsp;&nbsp;**100.00%** |

---

**Property Valuation Results Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;33 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**33** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| ![](tm2529005d1_ex99-34img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 6 \| P a g e |

---

![](tm2529005d1_ex99-34img002.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.** <br>

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**Overall Results Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;14 | &nbsp;&nbsp;42.42% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;19 | &nbsp;&nbsp;57.58% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**33** | &nbsp;&nbsp;**100.00%** |

---

**Data Results Summary**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Time Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;9 | &nbsp;&nbsp;33 | &nbsp;&nbsp;27.27% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;6 | &nbsp;&nbsp;33 | &nbsp;&nbsp;18.18% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;33 | &nbsp;&nbsp;6.06% |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;2 | &nbsp;&nbsp;33 | &nbsp;&nbsp;6.06% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;27 | &nbsp;&nbsp;33 | &nbsp;&nbsp;81.82% |
| &nbsp;&nbsp;Mtg Pymt | &nbsp;&nbsp;2 | &nbsp;&nbsp;33 | &nbsp;&nbsp;6.06% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;27 | &nbsp;&nbsp;33 | &nbsp;&nbsp;81.82% |
| &nbsp;&nbsp;Original Amortization Term | &nbsp;&nbsp;2 | &nbsp;&nbsp;33 | &nbsp;&nbsp;6.06% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;1 | &nbsp;&nbsp;33 | &nbsp;&nbsp;3.03% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;2 | &nbsp;&nbsp;33 | &nbsp;&nbsp;6.06% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;1 | &nbsp;&nbsp;33 | &nbsp;&nbsp;3.03% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;33 | &nbsp;&nbsp;3.03% |
| &nbsp;&nbsp;QM Status | &nbsp;&nbsp;31 | &nbsp;&nbsp;33 | &nbsp;&nbsp;93.94% |
| &nbsp;&nbsp;Qualifying Credit Score | &nbsp;&nbsp;4 | &nbsp;&nbsp;33 | &nbsp;&nbsp;12.12% |
| &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;13 | &nbsp;&nbsp;33 | &nbsp;&nbsp;39.39% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;2 | &nbsp;&nbsp;33 | &nbsp;&nbsp;6.06% |
| &nbsp;&nbsp;Self-Employment Flag | &nbsp;&nbsp;2 | &nbsp;&nbsp;33 | &nbsp;&nbsp;6.06% |

---

---

| | | |
|:---|:---|:---|
| ![](tm2529005d1_ex99-34img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 7 \| P a g e |

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![](tm2529005d1_ex99-34img002.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.** <br>

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**APPENDIX A**

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

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

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

---

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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|:---|:---|:---|
| | vi) | any material disclosure violation on a rescindable loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures; |
| b) | <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015*:</u> | <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015*:</u> |

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements;

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| ![](tm2529005d1_ex99-34img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 9 \| P a g e |

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and <br>viii) confirm the presence of the Initial Escrow Disclosure Statement in the loan file and proper timing.

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| ![](tm2529005d1_ex99-34img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 10 \| P a g e |

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FORWARD THINKING. SEAMLESS SOLUTIONS**.** <br>

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

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

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

**(VI) Document Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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| ![](tm2529005d1_ex99-34img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 11 \| P a g e |

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

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

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

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

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

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

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

 i) determine if the creditor obtained proof of homeownership counseling in connection with a loan to a first time homebuyer that contains a negative amortization feature; <br> c) <u>Mandatory Arbitration Clauses (§1026.36):</u> <br>

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

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

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

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

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

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

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

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

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

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

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| ![](tm2529005d1_ex99-34img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 12 \| P a g e |

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(XI) FIRREA Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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**(XIII) Document Review**

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

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

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

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

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| ![](tm2529005d1_ex99-34img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 18 \| P a g e |

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## Exhibit 99.35

**EXHIBIT 99.35**

**EVOLVE EXCEPTION DETAIL**

![](tm2529005d1_ex99-35img001.jpg)

**Exception Detail**

**Run Date - 10/15/2025 8:03:52 AM**

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| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **Exception** | **Exception Detail** | **Exception Information** | **Exception Remediation** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Compliance Initial Loan Grade** | **Compliance Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| xxxxxx | 776906 | xxxxxx | 6938074 | xxxxxx | 08/11/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Exception to use 69.999% LTV based on the guideline max for borrower who does not have primary residence is 65% |  | Client granted exception with compensating factors: Borrower has enough cash to close and reserves. FICO score is 83 pts higher than the min of 640. Appraised value is greater than the purchase price. |  |  |  | 08/11/2022 B | 2 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 775774 | xxxxxx | 6938113 | xxxxxx | 08/01/2022 | Compliance | Compliance |  | Compliance - TRID LE- Need re-disclosed LE within 3 days of change of circumstance |  | The LE's are missing from file. | LE's provided |  |  | 08/05/2022 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 C A | C | A |  | Non-QM | 1 |
| xxxxxx | 775774 | xxxxxx | 6938114 | xxxxxx | 08/01/2022 | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Testing completed |  |  | 08/05/2022 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 C A | C | A |  | Non-QM | 1 |
| xxxxxx | 775774 | xxxxxx | 6938115 | xxxxxx | 08/01/2022 | Compliance | Disclosure |  | Disclosure - Other: |  | The Service Provider List issued within 3 days of Initial Application is missing from file. | Servicer Provider List provided within 3 days of initial application |  |  | 08/05/2022 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 C A | C | A |  | Non-QM | 1 |
| xxxxxx | 775774 | xxxxxx | 6938116 | xxxxxx | 08/01/2022 | Compliance | Disclosure |  | Disclosure - Other: |  | RESPA Special Information/Settlement Cost Booklet ("Your home loan toolkit A step-by-step guide") is missing from file. | RESPA Special Information/Settlement Cost Booklet provided |  |  | 08/05/2022 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 C A | C | A |  | Non-QM | 1 |
| xxxxxx | 780375 | xxxxxx | 6985183 | xxxxxx | 09/27/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Requirements for Program |  | The loan amount of xxxxxx was less than the minimum loan amount of $150,000 as required per guidelines. |  | The exception was granted with the following compensating factors: Property built up is 25-75% stable property values with in balance of demand/supply, marketing time under 3 months. Met required trade line. No public records. No bankruptcies. Borrower is currently self-employed for 4 years with stable income. Reserves is 77 months. BENEFIT TO BORROWER: Purchase property with added value to serve as investment/another source of income | Reviewer 09/27/2022 01:44 PM; <br>|  |  | 09/27/2022 B | 2 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 780375 | xxxxxx | 6985184 | xxxxxx | 09/27/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Business Bank Statements has 20 instances of overdrafts within the last 12 months. |  | The borrower has in-house accountant who monitors balances and make manual transfers as needed. The exception was granted with the following compensating factors: Property built up is 25-75% stable property values with in balance of demand/supply, marketing time under 3 months. Met required trade line. No public records. No bankruptcies. Borrower is currently self-employed for 4 years with stable income. Reserves is 77 months. BENEFIT TO BORROWER: Purchase property with added value to serve as investment/another source of income |  |  |  | 09/27/2022 B | 2 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 780375 | xxxxxx | 6985185 | xxxxxx | 09/27/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing the Lender's Loan Approval. | Approval Certificate provided Exceptions were addressed |  |  | 09/29/2022 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 775547 | xxxxxx | 7005930 | xxxxxx | 07/20/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Residual income of $1422.08 does not meet requirement $3500 for DTI of > 50% |  | Client granted exception with compensating factors: program requires 12 months of reserves but file has 15 months of reserves post closing. Fico- qualifying credit score is 646 but the programs min is 620. DTI is 52.874% while max allowed is 55%. |  |  |  | 07/20/2022 B | 2 | xxxxxx | xxxxxx | 1 | 13 C B | A | A |  | Non-QM | 1 |
| xxxxxx | 775786 | xxxxxx | 7005942 | xxxxxx | 07/27/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Other income documentation missing/incomplete |  | Due to poor imaging, the CPA Letter from xxxxxx is illegible. A complete legible copy is needed. | Legible CD provided |  | Client 08/01/2022 12:33 PM; This was uploaded please review<br>Reviewer 08/01/2022 02:30 PM; deficiency cleared <br>| 08/01/2022 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 775786 | xxxxxx | 7005943 | xxxxxx | 07/27/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Profit and Loss required |  | Due to poor imaging, the Profit and Loss Statement from xxxxxx (period xxxxxx -- Net Income xxxxxx) is illegible. A complete legible copy is needed. | Legible P&L statement provided |  |  | 08/01/2022 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 775786 | xxxxxx | 7005944 | xxxxxx | 07/27/2022 | Credit | UW Credit |  | UW Credit - UW - Taxes and Insurance documentation |  | No evidence of Coverage D Fair Rental Value on the property insurance documentation. | reserves provided |  | Client 08/01/2022 12:32 PM; Fair Rental Value coverage is only applicable on Bank Statement programs if the Borrower does not have at least 6 Months of Reserves <br>Reviewer 08/01/2022 02:30 PM; deficiency cleared <br>| 08/01/2022 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 778426 | xxxxxx | 7005993 | xxxxxx | 09/09/2022 | Compliance | Sales Contract |  | Sales Contract - Compliance \ Sales Contract missing |  | Sales contract is illegible, please provide a clear copy. | Clear copy of Sales Contract Provided |  |  | 09/15/2022 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 C A | C | A |  | Non-QM | 1 |
| xxxxxx | 778607 | xxxxxx | 7006002 | xxxxxx | 09/07/2022 | Credit | Note |  | Note - Other: |  | Note, including the prepayment addendum to the Note, in file is only signed by 1 Borrower (xxxxxx). Provide copy of Note including the prepayment addendum that was executed by Borrower 2 (xxxxxx) | Updated Note signed by the co-borrower were provided. |  |  | 09/13/2022 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 778607 | xxxxxx | 7006003 | xxxxxx | 09/07/2022 | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | Mortgage, including all Riders to the Mortgage, that is in the file is only signed by 1 Borrower (xxxxxx). Provide copy of Mortgage, including all Riders to the Mortgage, that was executed by Borrower 2 (xxxxxx) | Updated Deed and Riders signed by the co-borrower were provided. |  |  | 09/13/2022 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 772328 | xxxxxx | 7005856 | xxxxxx | 07/20/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Loan approval needs to be updated to reflect correct loan amount of xxxxxx (currently shows xxxxxx). | xxxxxx loan approval provided xxxxxx |  |  | 07/22/2022 |  | A | 1 | xxxxxx | xxxxxx | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 772328 | xxxxxx | 7005857 | xxxxxx | 07/20/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Need updated 1008 to show correct loan amount of xxxxxx and correct appraisal value of xxxxxx. | Corrected 1008 provided |  |  | 07/22/2022 |  | A | 1 | xxxxxx | xxxxxx | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 772328 | xxxxxx | 7005858 | xxxxxx | 07/22/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | xxxxxx report not provided. | xxxxxx Report provided |  |  | 07/22/2022 |  | A | 1 | xxxxxx | xxxxxx | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 772258 | xxxxxx | 7005862 | xxxxxx | 06/10/2022 | Compliance | Note |  | Note - is missing - No Image of Note found in file |  |  | Note provided |  |  | 07/19/2022 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 D B C | D | A |  | Non-QM | 1 |
| xxxxxx | 772258 | xxxxxx | 7005863 | xxxxxx | 06/10/2022 | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Testing completed. |  |  | 07/19/2022 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 D B C | D | A |  | Non-QM | 1 |
| xxxxxx | 772258 | xxxxxx | 7005864 | xxxxxx | 06/10/2022 | Compliance | Compliance |  | Compliance - CD- Missing |  | File is missing Initial and Closing Discloser(s) | CD provided |  |  | 07/19/2022 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 D B C | D | A |  | Non-QM | 1 |
| xxxxxx | 772258 | xxxxxx | 7005865 | xxxxxx | 06/10/2022 | Compliance | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - is missing. |  |  | Deed provided |  |  | 07/19/2022 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 D B C | D | A |  | Non-QM | 1 |
| xxxxxx | 772258 | xxxxxx | 7005866 | xxxxxx | 07/21/2022 | Compliance | Credit Report |  | Credit Report - Other: |  | Credit refresh required 10 days prior to closing or after closing. Credit in file is dated xxxxxx loan closed xxxxxx | Credit refresh provided |  |  | 07/22/2022 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 D B C | D | A |  | Non-QM | 1 |
| xxxxxx | 772258 | xxxxxx | 7005867 | xxxxxx | 07/21/2022 | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | Borrower lives rent free, missing signed Investor approved exception |  | Client granted exception with compensating factors: Borrower has reserves $154,195.46 DTI of 40,352/41.352 LTV 80% Good FICO 739 with 8 years current employment. Borrower has lived with father rent free for past 18 years. |  |  |  | 07/22/2022 B | 2 | xxxxxx | xxxxxx | 1 | 1 D B C | D | A |  | Non-QM | 1 |
| xxxxxx | 781782 | xxxxxx | 7039491 | xxxxxx | 11/18/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Settlement Statement credit from seller of $10,000 due diligence from seller along with $8500 seller credit exceeds 3% seller contribution limit, and also exceeds total Closing costs of $9,611.11 | PCCD provided reflecting refund to seller for excessive contributions |  | Reviewer 11/21/2022 02:57 PM; Document received reflects seller paid $18,500 and total closing costs for buyer = $9,611.<br>Client 11/22/2022 06:50 PM; documents uploaded please clear<br>Reviewer 11/23/2022 07:52 AM; Documentation uploaded did not clear deficiency and same as previously uploaded.<br>Reviewer 11/23/2022 07:52 AM; Documentation uploaded did not clear deficiency and same as previously uploaded.<br>Client 11/23/2022 10:04 AM; THE CREDIT OF THE 10,000 IS FOR DUE DILIGENCE WHICH IS PART OF THE CONTACT AND HAS TO DEAL WITH PRICE OF HOME. THIS IS SEPARATE AND NOT PART OF A CLOSING COSTS CREDIT AND IS PART OF THE CONTRACT.<br>Reviewer 11/23/2022 02:23 PM; Provide documentation reflecting Due Diligence is not a seller credit. i.e. who was $10,000 paid to. <br>Client 11/27/2022 07:36 PM; it was a credit at closing in the contract for due diligence <br>Client 11/28/2022 10:19 AM; DUE DILIGENCE IS IN THE PURCHASE CONTRACT SHOWING THE SELLER CREDIT FOR THIS. THIS IS NOT PART OF A CLOSING COSTS CREDIT AND IS A SEPARATE NEGOTIABLE ITEM PER THE CONTRACT. <br>Reviewer 11/28/2022 10:40 AM; Duplicate escalation.<br>Reviewer 11/28/2022 10:41 AM; Per the purchase contract this is a seller credit.<br>| 11/28/2022 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 781782 | xxxxxx | 7039492 | xxxxxx | 11/18/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Supply secondary financing note for xxxxxx with monthly payment of xxxxxx evidencing a fixed rate program | 2nd note received |  |  | 11/21/2022 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 783290 | xxxxxx | 7048990 | xxxxxx | 10/18/2022 | Credit | Application |  | Application - Other: |  | Borrower Citizenship selection is incomplete for Final Application. Required for data purposes. | Updated 1003 provided |  |  | 10/20/2022 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 784304 | xxxxxx | 7054677 | xxxxxx | 01/18/2023 | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Testing completed |  |  | 01/20/2023 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 C A | C | A |  | Non-QM | 1 |
| xxxxxx | 784887 | xxxxxx | 7061940 | xxxxxx | 12/05/2022 | Compliance | Compliance |  | Compliance - TRID LE- Initial LE not disclosed within 3 days of Application |  | Missing image of LE in file. | Images of LE provided |  | Client 12/08/2022 05:19 PM; Both conditions are in the closing pkg file please review<br>Reviewer 12/09/2022 07:47 AM; <br>Reviewer 12/09/2022 09:07 AM; Good Morning, Please advise where you are seeing these in the file. The auditor and I went through the entire bundle of documents and the Loan Estimate and Initial CD and evidence of receipt is missing. xxxxxx <br>| 12/13/2022 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 C A | C | A |  | Non-QM | 1 |
| xxxxxx | 784887 | xxxxxx | 7061941 | xxxxxx | 12/05/2022 | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Testing completed |  |  | 12/13/2022 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 C A | C | A |  | Non-QM | 1 |
| xxxxxx | 784887 | xxxxxx | 7061942 | xxxxxx | 12/05/2022 | Compliance | Compliance |  | Compliance - CD- Missing |  | Missing CD issued and received 3 days prior to consummation. | CD provided within 3 days of consummation |  |  | 12/12/2022 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 C A | C | A |  | Non-QM | 1 |
| xxxxxx | 784888 | xxxxxx | 7061948 | xxxxxx | 12/05/2022 | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Testing complete |  |  | 12/12/2022 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 C B | C | A |  | Non-QM | 1 |
| xxxxxx | 784888 | xxxxxx | 7061949 | xxxxxx | 12/05/2022 | Compliance | Compliance |  | Compliance - TRID CD- Need proof CD was received 3 days prior to consummation |  | Initial CD is missing. | Initial CD provided |  | Client 12/08/2022 05:12 PM; Please review file submitted this CD's are all in the closing file we have this condition on 12 loans <br>Reviewer 12/09/2022 07:47 AM; <br>Reviewer 12/09/2022 08:51 AM; Good Morning, Please advise where you are seeing this in the file. The auditor and myself went through the entire bundle of documents and the Initial CD and evidence of receipt is missing. xxxxxx<br>| 12/12/2022 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 C B | C | A |  | Non-QM | 1 |
| xxxxxx | 785912 | xxxxxx | 7065981 | xxxxxx | 03/08/2023 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Exception to use rental income from properties located in xxxxxx. |  | Client granted exception with compensating factors: LTV is 65%, maximum allowed up to 70%; DTI is 43.132%, maximum allowed up to 50%; Reserves is 26.72 months, minimum required is 9 months. |  |  |  | 03/08/2023 B | 2 | xxxxxx | xxxxxx | 2 | 1 C B | A | A |  | Non-QM | 1 |
| xxxxxx | 785912 | xxxxxx | 7065982 | xxxxxx | 03/08/2023 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Exception to use Pension Income. Guideline does not show pension income can be used to qualify Foreign National. |  | Client granted exception with compensating factors: LTV is 65%, maximum allowed up to 70%; DTI is 43.132%, maximum allowed up to 50%; Reserves is 26.72 months, minimum required is 9 months. |  |  |  | 03/08/2023 B | 2 | xxxxxx | xxxxxx | 2 | 1 C B | A | A |  | Non-QM | 1 |
| xxxxxx | 781777 | xxxxxx | 7070197 | xxxxxx | 10/18/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Currency Conversion documents missing from the loan file. Documents to validate the conversion of xxxxxx currency into xxxxxx (xxxxxx for xxxxxx; xxxxxx for xxxxxx; and xxxxxx for xxxxxx). | Conversion validations provided |  |  | 10/20/2022 |  | A | 1 | xxxxxx | xxxxxx | 2 | 1 C B | A | A |  | Non-QM | 1 |
| xxxxxx | 781777 | xxxxxx | 7070198 | xxxxxx | 10/18/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employment status required |  | Document to validate the borrowers ownership of 84% in xxxxxx is missing from the loan file. | Operating agreement provided |  |  | 10/20/2022 |  | A | 1 | xxxxxx | xxxxxx | 2 | 1 C B | A | A |  | Non-QM | 1 |
| xxxxxx | 781777 | xxxxxx | 7070199 | xxxxxx | 10/20/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Missing Business & Foreign CPA license's or local equivalent's (the "Accountant") license are to be independently verified (via xxxxxx, Government or State issued document or other means of verification). | Third Party Verification of CPA license provided |  | Reviewer 10/20/2022 09:20 PM; Documents received did not include the CPA license being independently verified.<br>| 10/21/2022 |  | A | 1 | xxxxxx | xxxxxx | 2 | 1 C B | A | A |  | Non-QM | 1 |
| xxxxxx | 793574 | xxxxxx | 7075525 | xxxxxx | 07/18/2023 | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | There are multiple PPP riders to the DoT. Please re-record with the correct PPP rider only. Please provide for review. | Updated DOT and rider provided. |  |  | 10/08/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 793574 | xxxxxx | 7075526 | xxxxxx | 07/18/2023 | Credit | Note |  | Note - Other: |  | Images include multiple PPP addendums to the note reflecting different terms. Please provide clarification on the Prepayment Penalty for this loan. Need verification for review. | Correct and revised PPP addendum provided. |  |  | 10/08/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 794985 | xxxxxx | 7076554 | xxxxxx | 08/11/2023 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Minimum Loan Size $150,000.00. |  | Client granted exception with compensating factors: Low LTV, Experienced Investor, Good job time of 12 years, Good equity in collateral, subject free and clear; FICO 721 with no derogatory. |  |  |  | 08/11/2023 B | 2 | xxxxxx | xxxxxx | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 791336 | xxxxxx | 7078547 | xxxxxx | 11/07/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Primary mortgage history borrower lives rent free. |  | Client granted exception with compensating factors: Reserves $31,187.34, FICO 702, Borrower owns multiple investment properties, rent from leases DSCR is 1.102 |  |  |  | 11/07/2022 B | 2 | xxxxxx | xxxxxx | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 791306 | xxxxxx | 7143695 | xxxxxx | 11/20/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing loan approval and copy of the loan exception. | Loan approval and exception provided |  |  | 11/21/2022 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 C B | A | A |  | Non-QM | 1 |
| xxxxxx | 799676 | xxxxxx | 7081104 | xxxxxx | 10/05/2023 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Use transfer appraisal >45 days at time of submission to xxxxxx. |  | Client granted exception with compensating factors: xxxxxx (24 mo) reserves, FICO 712 is 52 point more than requirement, 67% LTV |  |  |  | 10/05/2023 B | 2 | xxxxxx | xxxxxx | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 780375 | xxxxxx | 7162362 | xxxxxx | 10/08/2025 | Credit | UW Qualifications |  | UW Qualifications - UW - Not Authorized |  | The subject property located in a xxxxxx zoned area and is ineligible per guidelines. |  | The exception was granted with the following compensating factors: Property built up is 25-75% stable property values with in balance of demand/supply, marketing time under 3 months. Met required trade line. No public records. No bankruptcies. Borrower is currently self-employed for 4 years with stable income. Reserves is 77 months. BENEFIT TO BORROWER: Purchase property with added value to serve as investment/another source of income |  |  |  | 10/08/2025 B | 2 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 777564 | xxxxxx | 7162354 | xxxxxx | 10/08/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Requirements for Program |  | Borrower does not meet 36 month seasoning requirement for pre-foreclosure Notice of Default. Borrower had pre-foreclosure xxxxxx that was paid xxxxxx. |  | Client granted exception with compensating factors: 1) FICO OF 684 WHEN MINIMUM IS 640 2) LTV OF 60%, MAX AT 70% |  |  |  | 10/08/2025 B | 2 | xxxxxx | xxxxxx | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 781782 | xxxxxx | 7162371 | xxxxxx | 10/08/2025 | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | LTV/CLTV 60%/70% - Max allowed 60%/60% first time investor w/700 FICO / FTHB) |  | Client granted exception with compensating factors: Remaining assets $42,509.96 which equates to 13.3 mos PITI reserves. Program requires 2mo reserves |  |  |  | 10/08/2025 B | 2 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 781782 | xxxxxx | 7162372 | xxxxxx | 10/08/2025 | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | Use of Previous VOR completed by a private party/landlord to document most recent 12 mos housing history from xxxxxx. Unable to provide most recent 12mos cancelled checks to support VOR |  | Client granted exception with compensating factors: Remaining assets $42,509.96 which equates to 13.3 mos PITI reserves. Program requires 2mo reserves |  |  |  | 10/08/2025 B | 2 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 783166 | xxxxxx | 7164677 | xxxxxx | 10/11/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception required for applicant not meeting the minimum credit tradelines requirement for activity within the last six months. Mortgage loan paid off in xxxxxx. Applicant has no open tradelines. |  | Compensating Factors: Long term ownership of subject. Property is free and clear, mortgage paid off in xxxxxx. All prior credit was rated as agreed. Use of 1007 market rents produces higher debt service ratio of 1.25. Good equity position for property in a market with demand and supply in shortage. |  |  |  | 10/11/2022 B | 2 | xxxxxx | xxxxxx | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 783166 | xxxxxx | 7164678 | xxxxxx | 10/11/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception required for debt service coverage ratio not meeting the minimum of 1.00 with the use of actual rents resulting in .89 ratio. |  | Compensating Factors: Long term ownership of subject. Property is free and clear, mortgage paid off in xxxxxx. All prior credit was rated as agreed. Use of 1007 market rents produces higher debt service ratio of 1.25. Good equity position for property in a market with demand and supply in shortage. |  |  |  | 10/11/2022 B | 2 | xxxxxx | xxxxxx | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 783290 | xxxxxx | 7162375 | xxxxxx | 10/08/2025 | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | Exception required to allow 75% LTV loan for debt service coverage ratio not meeting the minimum of 1.00 with use of 1007 market rents resulting in .83 ratio. |  | Client granted exception with compensating factors: subject located in xxxxxx where xxxxxx-unit housing trends reflect property values increasing, with demand and supply in shortage and marketing time under three months. |  |  |  | 10/08/2025 B | 2 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 783695 | xxxxxx | 7162376 | xxxxxx | 10/08/2025 | Credit | UW Other |  | UW Other - UW - Evidence of legal residency |  | Missing notice for ITIN renewal. In file are dated 1-28-2018 and completely filled out W7. |  | Client granted exception with compensating factors: Verified assets are enough to cover funds to close and reserves. |  |  |  | 10/08/2025 B | 2 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 783695 | xxxxxx | 7162378 | xxxxxx | 10/08/2025 | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | The LTV of 70% LTV exceeds the maximum allowed for for FTHB and Living Rent Free (55%) and DSCR .50 with xxxxxx credit and FICO of 718 has max of (65%). |  | Client granted exception with compensating factors: Verified assets are enough to cover funds to close and reserves. |  |  |  | 10/08/2025 B | 2 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 784888 | xxxxxx | 7162379 | xxxxxx | 10/08/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Residual income is inadequate. Allow max LTV of 50% DTI 48.582% when LTV of 43%. Residual income required minimum of $2500. |  | Client granted exception with compensating factors: Downgrade file from xxxxxx to regular xxxxxx Program. Verified assets are more than enough to cover closing costs and reserves. FICO 712 purchase transaction, Borrower just recently sold his primary residence. xxxxxx property; as is; built up 25%-75%, in balance of supply; marketing time under 3-6 months; residential, single family 65; CDA not yet available The Collateral UW Risk Score is 1 on a scale of 1 to 5, where 5 indicates highest potential collateral risk. Borrower will own new primary residence. |  |  |  | 10/08/2025 B | 2 | xxxxxx | xxxxxx | 1 | 1 C B | C | A |  | Non-QM | 1 |
| xxxxxx | 785917 | xxxxxx | 7167172 | xxxxxx | 03/07/2023 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | DTI 45.854$% exceeds maximum allowed 43% |  | LTV is 70.173% maximum allowed is 75%, Credit score 785, minimum required is 660, Reserves is for 72.53 months (cash-out proceeds), minimum reserve requirement is 6 months |  |  |  | 03/07/2023 B | 2 | xxxxxx | xxxxxx | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 785917 | xxxxxx | 7167173 | xxxxxx | 03/07/2023 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Use of CTEC Prepared P&L & CPA Letter. Per guideline xxxxxx, only CPA and IRS Inrolled Agent are allowed |  | LTV is 70.173% maximum allowed is 75%, Credit score 785, minimum required is 660, Reserves is for 72.53 months (cash-out proceeds), minimum reserve requirement is 6 months |  |  |  | 03/07/2023 B | 2 | xxxxxx | xxxxxx | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 781777 | xxxxxx | 7162370 | xxxxxx | 10/08/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Borrower's visa type is B1/B2 (business/travel) and a POA was utilized, which is not allowed per guidelines. |  | Client granted exception with compensating factors: (1) Borrowers has been self-employed for more than 20years and has stable income. (2) DTI is 38.21%. (3) The location is in xxxxxx, built up is 25-75% stable property values with imbalance of demand/supply, marketing time under 3 months. Benefit to borrower: Purchase 2nd home. |  |  |  | 10/08/2025 B | 2 | xxxxxx | xxxxxx | 2 | 1 C B | A | A |  | Non-QM | 1 |
| xxxxxx | 791353 | xxxxxx | 7162384 | xxxxxx | 10/08/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing final Loan Summary Approval with xxxxxx property sign off. |  | Client granted exception with compensating factors: Mid FICO 784, Credit depth of 40 years. Total verified assets of $644,522.53 / 25.375% LTV. |  |  |  | 10/08/2025 B | 2 | xxxxxx | xxxxxx | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 791306 | xxxxxx | 7162382 | xxxxxx | 10/08/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Subject is a xxxxxx, making the property ineligible per guidelines. |  | Client granted exception with compensating factors: S/E since xxxxxx, plenty of reserves after close, 802 fico , 66.95 LTV. |  |  |  | 10/08/2025 B | 2 | xxxxxx | xxxxxx | 1 | 1 C B | A | A |  | Non-QM | 1 |
| xxxxxx | 791354 | xxxxxx | 7162351 | xxxxxx | 10/08/2025 | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | LTV to 75% on a short term rental |  | Client granted exception with compensating factors: \*Repeat borrower \*Good Credit \*xxxxxx approved xxxxxx Approved Exception on xxxxxx |  |  |  | 10/08/2025 B | 2 | xxxxxx | xxxxxx | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |

---

## Exhibit 99.36

**EXHIBIT 99.36**

**EVOLVE DATA COMPARE**

![](tm2529005d1_ex99-36img001.jpg)

**Data Compare**

Run Date - 10/15/2025 8:03:52 AM

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| xxxxxx | 772258 | xxxxxx | Qualifying Credit Score | 739 | 760 | Tape data is 739. Audited value is 760. Auditor used middle of three scores. Equifax score is 780. Experian score is 757. Transunion score is 760. |
| xxxxxx | 772258 | xxxxxx | First Payment Date |  | xxxxxx | verified |
| xxxxxx | 772258 | xxxxxx | Maturity Date |  | xxxxxx | verified |
| xxxxxx | 772258 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 772258 | xxxxxx | Original P&I |  | 1773.65 | verified |
| xxxxxx | 772258 | xxxxxx | QM Status | QM Safe Harbor | Non-QM | verified HPML, APR fail |
| xxxxxx | 772328 | xxxxxx | DSCR | 1.000 | 2.900 | Bid tape is 1.000. Audited value is 2.900. Gross Schedule Income is $6,300.00 divided by Monthly mortgage payment $2,173.84. |
| xxxxxx | 772328 | xxxxxx | First Payment Date |  | xxxxxx | verified via note |
| xxxxxx | 772328 | xxxxxx | Maturity Date |  | xxxxxx | verified via note |
| xxxxxx | 772328 | xxxxxx | Note Date |  | xxxxxx | verified via note |
| xxxxxx | 772328 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | verified via note |
| xxxxxx | 772328 | xxxxxx | Original P&I |  | 1921.52 | verified via note |
| xxxxxx | 772328 | xxxxxx | Prepayment Penalty | Y | N | verified via note |
| xxxxxx | 772328 | xxxxxx | QM Status | Non-QM | Exempt | Verified exempt, investment |
| xxxxxx | 775547 | xxxxxx | Qualifying DTI |  | 0.51578 | Bid tape is 52.874%. Audited data of 51.578%. Ratio is verified per the UW income calculation. Total debt $3,978 / Total qualifying Income $7712.65. |
| xxxxxx | 775547 | xxxxxx | Maturity Date |  | xxxxxx | verified via note |
| xxxxxx | 775547 | xxxxxx | Note Date |  | xxxxxx | verified via note |
| xxxxxx | 775547 | xxxxxx | QM Status |  | Non-QM | verified no QM fails for pts and fees |
| xxxxxx | 775754 | xxxxxx | Qualifying DTI |  | 0.24428 | verified |
| xxxxxx | 775754 | xxxxxx | Maturity Date |  | xxxxxx | verified |
| xxxxxx | 775754 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 775754 | xxxxxx | QM Status |  | Non-QM | Verified no compliance related fails, gse set to no |
| xxxxxx | 775774 | xxxxxx | Qualifying DTI |  | 0.31088 | Bid tape data is 17.803%. Audited data is 31.088%. DTI is verified per the UW income calculation. Total debt $4,814.68/ Total qualifying Income $15,487.35. |
| xxxxxx | 775774 | xxxxxx | Maturity Date |  | xxxxxx | verified |
| xxxxxx | 775774 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 775774 | xxxxxx | QM Status |  | Non-QM | Verified hpml fail |
| xxxxxx | 775786 | xxxxxx | Qualifying DTI |  | 0.11666 | verified |
| xxxxxx | 775786 | xxxxxx | Self-Employment Flag | N | Y | Bid tape is N. Audited data is Y. Verified per the initial 1003 application and CPA Letter. |
| xxxxxx | 775786 | xxxxxx | Maturity Date |  | xxxxxx | verified on note |
| xxxxxx | 775786 | xxxxxx | Note Date |  | xxxxxx | verified on note |
| xxxxxx | 775786 | xxxxxx | QM Status |  | Exempt | Verified Business Purpose |
| xxxxxx | 776207 | xxxxxx | Qualifying DTI |  | 0.17808 | verified |
| xxxxxx | 776207 | xxxxxx | Maturity Date |  | xxxxxx | VERIFIED |
| xxxxxx | 776207 | xxxxxx | Note Date |  | xxxxxx | VERIFIED |
| xxxxxx | 776207 | xxxxxx | QM Status |  | Non-QM | Verified Non-QM, GSE/QM APR/BKST Fail |
| xxxxxx | 776899 | xxxxxx | Qualifying DTI |  | 0.20392 | verified |
| xxxxxx | 776899 | xxxxxx | Maturity Date |  | xxxxxx | Verified |
| xxxxxx | 776899 | xxxxxx | Note Date |  | xxxxxx | Verified |
| xxxxxx | 776899 | xxxxxx | QM Status |  | Non-QM | Verified Non-QM, GSE/HPML/QM APR Fail |
| xxxxxx | 776906 | xxxxxx | DSCR | 0.960 |  | verified |
| xxxxxx | 776906 | xxxxxx | Maturity Date |  | xxxxxx | Confirmed via Note |
| xxxxxx | 776906 | xxxxxx | Note Date |  | xxxxxx | Confirmed via Note |
| xxxxxx | 776906 | xxxxxx | QM Status |  | Exempt | Verified Business Purpose |
| xxxxxx | 777564 | xxxxxx | DSCR | 0.750 |  | Bid tape is 0.750. Audited data is Blank. Verified loan is No Ratio. DSCR score not required. |
| xxxxxx | 777564 | xxxxxx | Maturity Date |  | xxxxxx | Verified |
| xxxxxx | 777564 | xxxxxx | Note Date |  | xxxxxx | Verified |
| xxxxxx | 777564 | xxxxxx | QM Status |  | Exempt | Verified Business Purpose |
| xxxxxx | 778426 | xxxxxx | Qualifying DTI |  | 0.27560 | Bid tape is 29.77%. Audited data of 28.20%. Ratio is verified per the UW income calculation. Total housing debt 2680.76 / Total qualifying Income $12655. |
| xxxxxx | 778426 | xxxxxx | Maturity Date |  | xxxxxx | Verified |
| xxxxxx | 778426 | xxxxxx | Note Date |  | xxxxxx | Verified |
| xxxxxx | 778426 | xxxxxx | QM Status |  | Non-QM | Verified Non-QM, GSE/HPML/QM APR Fail |
| xxxxxx | 778595 | xxxxxx | Qualifying DTI |  | 0.29714 | verified |
| xxxxxx | 778595 | xxxxxx | Maturity Date |  | xxxxxx | Verified |
| xxxxxx | 778595 | xxxxxx | Note Date |  | xxxxxx | Verified |
| xxxxxx | 778595 | xxxxxx | QM Status |  | Non-QM | Verified Non-QM, GSE/HPML/QM APR/BKST Fail |
| xxxxxx | 778607 | xxxxxx | Doc Type | Debt Service Coverage (DSCR) | No Ratio | verified |
| xxxxxx | 778607 | xxxxxx | Maturity Date |  | xxxxxx | Verified. |
| xxxxxx | 778607 | xxxxxx | Note Date |  | xxxxxx | Verified. |
| xxxxxx | 778607 | xxxxxx | QM Status |  | Exempt | Verified Business Purpose |
| xxxxxx | 780375 | xxxxxx | Qualifying DTI |  | 0.29094 | verified |
| xxxxxx | 780375 | xxxxxx | Maturity Date |  | xxxxxx | verified |
| xxxxxx | 780375 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 780375 | xxxxxx | QM Status |  | Exempt | Verified Business Purpose |
| xxxxxx | 781777 | xxxxxx | Qualifying DTI |  | 0.43642 | Total DTI is 43.642% based on the verified Income of $6,300.00 and the Total Expenses of $2,749.46; rounding issue. |
| xxxxxx | 781777 | xxxxxx | Maturity Date |  | xxxxxx | verified |
| xxxxxx | 781777 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 781777 | xxxxxx | QM Status |  | Non-QM | Verified Non-QM, GSE/DTI/QM APR |
| xxxxxx | 781778 | xxxxxx | DSCR |  | 1.160 | rents from appraiser market rents |
| xxxxxx | 781778 | xxxxxx | Maturity Date |  | xxxxxx | Verified |
| xxxxxx | 781778 | xxxxxx | Note Date |  | xxxxxx | Verified |
| xxxxxx | 781778 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 781782 | xxxxxx | DSCR | 0.800 |  | verified |
| xxxxxx | 781782 | xxxxxx | Maturity Date |  | xxxxxx | verified via note |
| xxxxxx | 781782 | xxxxxx | Note Date |  | xxxxxx | verified via note |
| xxxxxx | 781782 | xxxxxx | QM Status |  | Exempt | Business purpose exempt |
| xxxxxx | 781782 | xxxxxx | Qualifying Credit Score | 730 | 750 | using mid score from credit report |
| xxxxxx | 783166 | xxxxxx | DSCR | 1.130 | 0.890 | No lease in file, previous calculations stated used lease amount of 2500.00. Appraisal does state leased for 2500.00 and this is the most conservative approach. Exception in file for DSCR Calculation 0.89% Approved DSCR Calculations: Lease Amount: 2500.00/PITI: 2807.99=0.89. DSC Coverage Screen and Property Information Screen, entered 2500.00 & For source since no lease in file and lease amount came from appraisal used FNMA 1007/216 |
| xxxxxx | 783166 | xxxxxx | Maturity Date |  | xxxxxx | verified via note |
| xxxxxx | 783166 | xxxxxx | Note Date |  | xxxxxx | verified via note |
| xxxxxx | 783166 | xxxxxx | QM Status |  | Exempt | Verified Business Purpose |
| xxxxxx | 783290 | xxxxxx | DSCR |  | 0.830 | No data to verify. |
| xxxxxx | 783290 | xxxxxx | Maturity Date |  | xxxxxx | Verified |
| xxxxxx | 783290 | xxxxxx | Note Date |  | xxxxxx | Verified |
| xxxxxx | 783290 | xxxxxx | QM Status |  | Exempt | Verified Business Purpose |
| xxxxxx | 783695 | xxxxxx | DSCR |  | 0.510 | DSCR verified with Closing Disclosure and market rent analysis. |
| xxxxxx | 783695 | xxxxxx | Maturity Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 783695 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 783695 | xxxxxx | QM Status |  | Exempt | Verified Business Purpose |
| xxxxxx | 784304 | xxxxxx | Maturity Date |  | xxxxxx | verified |
| xxxxxx | 784304 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 784304 | xxxxxx | QM Status |  | Non-QM | Pts and Fees/APR Threshold |
| xxxxxx | 784887 | xxxxxx | Qualifying DTI |  | 0.48579 | within tolerance |
| xxxxxx | 784887 | xxxxxx | Maturity Date |  | xxxxxx | Verified |
| xxxxxx | 784887 | xxxxxx | Note Date |  | xxxxxx | Verified |
| xxxxxx | 784887 | xxxxxx | QM Status |  | Non-QM | apr and qm pts and fees fails; appendix q, dti |
| xxxxxx | 784888 | xxxxxx | Qualifying DTI |  | 0.48582 | verified |
| xxxxxx | 784888 | xxxxxx | Maturity Date |  | xxxxxx | Verified |
| xxxxxx | 784888 | xxxxxx | Note Date |  | xxxxxx | Verified |
| xxxxxx | 784888 | xxxxxx | QM Status |  | Non-QM | pts and fees ; apr; dti and appendix q |
| xxxxxx | 785912 | xxxxxx | Maturity Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 785912 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 785912 | xxxxxx | Property Type | PUD | Attached | Verified property is PUD-Attached |
| xxxxxx | 785912 | xxxxxx | QM Status |  | Non-QM | pts and fees; dti; qm apr threshold |
| xxxxxx | 785917 | xxxxxx | Qualifying DTI | 0.45854 | 0.45858 | rounding |
| xxxxxx | 785917 | xxxxxx | Maturity Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 785917 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 785917 | xxxxxx | QM Status |  | Exempt | Verified Business Purpose |
| xxxxxx | 791306 | xxxxxx | Interest Only | N | Y | Verified |
| xxxxxx | 791306 | xxxxxx | Original Amortization Term | 480 | 360 | Verified as 40 year but qualified amortized over 30 years. |
| xxxxxx | 791336 | xxxxxx | Sales Price | xxxxxx |  | Bid tape is $xxxxxx. Audit data is blank. Subject was a refinance; sales price not required |
| xxxxxx | 791336 | xxxxxx | Qualifying Credit Score | 0 | 702 | Tape data is 0. Audited value is 702. Auditor used lessor of middle three scores. Equifax score is 715. Experian score is 702. Transunion score is 693. |
| xxxxxx | 791336 | xxxxxx | Doc Type |  | Debt Service Coverage | Bid Tape Blank, Audited Data Debit Service Coverage verified with Loan Approval |
| xxxxxx | 791336 | xxxxxx | Mtg Pymt | 1638.66 | 1950.63 | Bid Tape $1,638.66 is reflecting P and I payment. Audited Data of $1,950.63 verified is principle, interest, taxes, and insurance. |
| xxxxxx | 791336 | xxxxxx | QM Status |  | Exempt | Verified Business Purpose |
| xxxxxx | 791353 | xxxxxx | Doc Type | Alternative | Debt Service Coverage | Verified as a DSCR with final approval |
| xxxxxx | 791353 | xxxxxx | Interest Only | N | Y | Verified. |
| xxxxxx | 791353 | xxxxxx | Original Amortization Term | 480 | 360 | Verified. |
| xxxxxx | 791353 | xxxxxx | QM Status | Non-QM | Exempt | Verified Business Purpose |
| xxxxxx | 791353 | xxxxxx | Self-Employment Flag |  | N | This is not required for a DSCR loan. |
| xxxxxx | 791354 | xxxxxx | Sales Price | xxxxxx |  | This loan transaction is a DSCR Cash Out Refi not a Purchase transaction |
| xxxxxx | 791354 | xxxxxx | Qualifying Credit Score | 0 | 735 | - Tape data includes principle and interest & Audited value is principle and interest, taxes and insurance no HOA Dues. Qualifying FICO Tape data is 0. Audited value is 735.??Auditor used middle of three scores. Equifax score is 745. Experian score is 720. Transunion score is 735. |
| xxxxxx | 791354 | xxxxxx | Doc Type |  | Debt Service Coverage | - Verified doc type is a DSCR No Ratio verified with the Loan Approval & the Loan Program ID |
| xxxxxx | 791354 | xxxxxx | Mtg Pymt | 9339.81 | 9797.73 | Proposed Monthly Housing Exp: P&I: 9339.81 + Tax: xxxxxx + HOI: 160.42=xxxxxx + HOA Dues: 20.83=9818.56 |
| xxxxxx | 791354 | xxxxxx | QM Status |  | Exempt | Verified Business Purpose |
| xxxxxx | 792500 | xxxxxx | Doc Type | FullDocumentation | Asset Depletion | Verified with approval |
| xxxxxx | 793574 | xxxxxx | Maturity Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 793574 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 793574 | xxxxxx | QM Status |  | Exempt | Verified Business Purpose Product |
| xxxxxx | 794985 | xxxxxx | Doc Type | Alternative | Debt Service Coverage | Verified with loan approval |
| xxxxxx | 794985 | xxxxxx | QM Status | Non-QM | Exempt | verified |
| xxxxxx | 799676 | xxxxxx | DSCR | 1.460 | 1.170 | using full PITIA against Lease provided. |
| xxxxxx | 799676 | xxxxxx | Maturity Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 799676 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 799676 | xxxxxx | QM Status |  | Exempt | Verified Business Purpose Product |

---

## Exhibit 99.37

**EXHIBIT 99.37**

**EVOLVE QM ATR DATA**

![](tm2529005d1_ex99-37img001.jpg)

**QM ATR Data**

**Run Date - 10/15/2025 8:03:52 AM**

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Level ATR/QM Status** | **Verified Safe Harbor** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **GSE Eligible** | **CDFI Indicator** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower Foreign National Indicator** | **Borrower Residency Source** | **Co Borrower Foreign National Indicator** | **Co Borrower Residency Source** | **Residual Income to Qualify?** | **ATR/QM Residual Income** |
| xxxxxx | 772258 | xxxxxx | Non-QM | N/A | No | xxxxxx | No | No | $3643.00 | xxxxxx | 7.603% | Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 772328 | xxxxxx | Exempt | N/A | No | xxxxxx | No | No |  | xxxxxx | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 775547 | xxxxxx | Non-QM | N/A | No | xxxxxx | No | No | $8810.00 | xxxxxx | 8.673% | Employed |  | US Citizen |  |  |  | Yes | $3734.65 |
| xxxxxx | 775754 | xxxxxx | Non-QM | N/A | No | xxxxxx | No | No | $26415.00 | xxxxxx | 7.84% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 775774 | xxxxxx | Non-QM | N/A | No | xxxxxx | No | No | $4483.62 | xxxxxx | 8.157% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 775786 | xxxxxx | Exempt | N/A | No | xxxxxx | No | No |  | xxxxxx | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 776207 | xxxxxx | Non-QM | N/A | No | xxxxxx | No | No | $82415.00 | xxxxxx | 8.257% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 776899 | xxxxxx | Non-QM | N/A | No | xxxxxx |  | No | $8527.00 | xxxxxx | 8.762% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 776906 | xxxxxx | Exempt | N/A | No | xxxxxx |  | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 777564 | xxxxxx | Exempt | N/A | No | xxxxxx | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 778426 | xxxxxx | Non-QM | N/A | No | xxxxxx | No | No | $6785.15 | xxxxxx | 8.985% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 778595 | xxxxxx | Non-QM | N/A | No | xxxxxx | No | No | $32690.00 | xxxxxx | 8.533% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 778607 | xxxxxx | Exempt | N/A | No | xxxxxx | No | No |  |  | 0.00% | Self-Employed | Not Required | US Citizen |  | Foreign National |  | No |  |
| xxxxxx | 780375 | xxxxxx | Exempt | N/A | No | xxxxxx | No | No |  |  | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | No |  |
| xxxxxx | 781777 | xxxxxx | Non-QM | N/A | No | xxxxxx | No | No | $6550.00 | xxxxxx | 9.718% | Self-Employed | Self-Employed | Foreign National |  | Foreign National |  | No |  |
| xxxxxx | 781778 | xxxxxx | Exempt | N/A | No | xxxxxx | No | No |  |  | 0.00% | Self-Employed |  | Non Permanent Resident Alien |  |  |  | No |  |
| xxxxxx | 781782 | xxxxxx | Exempt | N/A | No | xxxxxx | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 783166 | xxxxxx | Exempt | N/A | No | xxxxxx | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 783290 | xxxxxx | Exempt | N/A | No | xxxxxx | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| xxxxxx | 783695 | xxxxxx | Exempt | N/A | No | xxxxxx | No | No |  |  | 0.00% | Self-Employed |  | Foreign National |  |  |  | No |  |
| xxxxxx | 784304 | xxxxxx | Non-QM | N/A | No | xxxxxx |  | No | $9386.00 | xxxxxx | 9.961% | Retired | Retired | US Citizen |  | US Citizen |  | No |  |
| xxxxxx | 784887 | xxxxxx | Non-QM | N/A | No | xxxxxx | No | No | $17012.00 | xxxxxx | 10.27% | Self-Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| xxxxxx | 784888 | xxxxxx | Non-QM | N/A | No | xxxxxx | No | No | $7042.50 | xxxxxx | 11.048% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 785912 | xxxxxx | Non-QM | N/A | No | xxxxxx | No | No | $5274.00 | xxxxxx | 9.34% | Retired |  | Foreign National |  |  |  | No |  |
| xxxxxx | 785917 | xxxxxx | Exempt | N/A | No | xxxxxx | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 791306 | xxxxxx | Non-QM | N/A | No | xxxxxx | No | No | $23692.27 | xxxxxx | 8.84% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 791336 | xxxxxx | Exempt | N/A | No | xxxxxx | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 791353 | xxxxxx | Exempt | N/A | No | xxxxxx |  | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| xxxxxx | 791354 | xxxxxx | Exempt | N/A | No | xxxxxx | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 792500 | xxxxxx | Non-QM | N/A | No | xxxxxx | No | No | $0.00 | xxxxxx | 8.224% | Self-Employed |  | US Citizen |  |  |  | Yes | $16343.01 |
| xxxxxx | 793574 | xxxxxx | Exempt | N/A | No | xxxxxx | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 794985 | xxxxxx | Exempt | N/A | No | xxxxxx | Yes | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 799676 | xxxxxx | Exempt | N/A | No | xxxxxx | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |

---

## Exhibit 99.38

**EXHIBIT 99.38**

**EVOLVE RATING AGENCY GRADES**

![](tm2529005d1_ex99-38img001.jpg)

**Rating Agency Grades**

**Run Date - 10/15/2025 8:03:52 AM**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| xxxxxx | 772258 | xxxxxx | xxxxxx C | D | D | D | D | D A B | A | A | A | A | A B |
| xxxxxx | 772328 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 775547 | xxxxxx | xxxxxx C | A | A | A | A | A C B | A | A | A | A | A B |
| xxxxxx | 775754 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 775774 | xxxxxx | xxxxxx A | C | C | C | C | C A | A | A | A | A | A |
| xxxxxx | 775786 | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 776207 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 776899 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 776906 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| xxxxxx | 777564 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| xxxxxx | 778426 | xxxxxx | xxxxxx A | C | C | C | C | C A | A | A | A | A | A |
| xxxxxx | 778595 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 778607 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 780375 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| xxxxxx | 781777 | xxxxxx | xxxxxx C | A | A | A | A | A C B | A | A | A | A | A B |
| xxxxxx | 781778 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 781782 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| xxxxxx | 783166 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| xxxxxx | 783290 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| xxxxxx | 783695 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| xxxxxx | 784304 | xxxxxx | xxxxxx A | C | C | C | C | C A | A | A | A | A | A |
| xxxxxx | 784887 | xxxxxx | xxxxxx A | C | C | C | C | C A | A | A | A | A | A |
| xxxxxx | 784888 | xxxxxx | xxxxxx C | C | C | C | C | C A B | A | A | A | A | A B |
| xxxxxx | 785912 | xxxxxx | xxxxxx C | A | A | A | A | A C B | A | A | A | A | A B |
| xxxxxx | 785917 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| xxxxxx | 791306 | xxxxxx | xxxxxx C | A | A | A | A | A C B | A | A | A | A | A B |
| xxxxxx | 791336 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| xxxxxx | 791353 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| xxxxxx | 791354 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| xxxxxx | 792500 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 793574 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 794985 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| xxxxxx | 799676 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |

---

## Exhibit 99.39

**EXHIBIT 99.39**

**EVOLVE VALUATION REPORT**

![](tm2529005d1_ex99-39img001.jpg)

**Valuation Report**

**Run Date - 10/15/2025 8:03:52 AM**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | | |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for LTV** | **Appraisal Date** | **Appraisal Type** | **Appraisal Company** | **Appraiser Name** | **Appraiser State License Number** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| xxxxxx | 772258 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20220527 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 772328 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20220623 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low Risk | 20220623 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 775547 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20220518 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | low | 20220713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 775754 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20220715 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Moderate Risk | 20220715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 775774 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20220714 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Moderate Risk | 20220714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| xxxxxx | 775786 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20220712 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Moderate Risk | 20220712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 776207 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20220720 | 1004 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 32.35% | 20220719 | 1004 |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Moderate Risk | 20220720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| xxxxxx | 776899 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20220722 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Moderate Risk | 20220801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 776906 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20220510 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Moderate | 20220519 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 777564 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20220727 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Moderate Risk | 20220727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.7 |
| xxxxxx | 778426 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20220812 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20220816 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 778595 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20220910 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20220913 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| xxxxxx | 778607 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20220809 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Moderate Risk | 20220809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.3 |
| xxxxxx | 780375 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20220530 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Moderate | 20220615 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| xxxxxx | 781777 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20220926 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Moderate Risk | 20220926 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 781778 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20221001 | 1025 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | low | 20221006 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 781782 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20221008 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -0.58% | xxxxxx | moderate | 20221014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 783166 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20220919 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Moderate Risk | 20220919 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 783290 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20220914 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20220921 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 783695 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20221114 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20221215 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.4 |
| xxxxxx | 784304 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20221227 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Moderate | 20230103 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 784887 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20221024 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | moderate | 20221031 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 784888 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20221109 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Moderate Risk | 20221114 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 785912 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20230203 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Moderate | 20230207 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 785917 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20230211 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | low | 20230211 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 791306 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20221027 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -5.37% | xxxxxx | B | 20221107 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 791336 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20220922 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20221006 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| xxxxxx | 791353 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20220613 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | Other | A | 20220615 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 791354 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20220920 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20220920 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.6 |
| xxxxxx | 792500 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20230602 | 1073 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 17.65% | xxxxxx | A | 20230615 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 793574 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20230616 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | low | 20230623 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 794985 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20230621 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20230721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 799676 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20230717 | 1073 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | low | 20230925 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |

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